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PUBLIC DOCUMENT. No. 9. 

TWENTY-EIGHTH ANNUAL REPOKT 

1 

OF THE 

INSURANCE COMMISSIONER 



OF THE 



(ftomwonfocdtlj of UTassitc^usjclts- 



January 1, 1883. 



PART I. 

FIRE AND MARINE INSURANCE. 



BOSTON : 

WRIGHT & POTTER PRINTING CO., STATE PRINTERS, 

No. 18 Post Office Square. 

1883. 



A 



]a)C • 



TABLE OF CONTENTS. 



[For Index to Companies, see end of Volume, j 



COMMISSIONER'S REPORT. 

TAGR 

Introductory, v 

Companies authorized in Massachusetts, vii 

Companies admitted, viii 

Companies withdrawn viii 

Massachusetts Companies Voluntarily Closing Business, . . ix 

Receiverships, ix 

Massachusetts Mutual Fire Insurance Companies, .... x 

Comparative Table A, x 

Massachusetts Joint-Stock Insurance Companies, .... xi 

Comparative Table B, xi 

Insurance Companies of other States, xi 

Comparative Table C, xi 

United States Branches of Foreign Insurance Companies, . . xii 

Comparative Table D, xii 

Aggregates of all the Companies xii 

Massachusetts Business, ... xii 

Comparative Table E xiii 

Comparative Ratios, xiii 

Fires in Massachusetts in 1882, xiii 

Statistical Tabulations, xv 

Massachusetts Mutual Fire Insurance Companies, .... xvi 

Table I. — Risks, assets, liabilities, and surplus, xv 

Table II. — Gross cash income and expenditures, premiums, losses, 

and expenses, xviii 

Massachusetts Mutual Marine Insurance Companies, . . . xx 
Table III. — Guarantee fund, scrip, risks, assets, liabilities, and 

surplus, xx 

Table IV. — Gross cash income and expenditures, premiums, losses, 

and expenses xx 



IV 



TABLE OF CONTENTS. 



IfASSAI HUB! us JOXNT-8TOCX InBUBANCB Companies, 

Table V. — Cask capital, risks, assets, liabilities, and surplus, 

Table VI. — Risks written, premiums received, and losses paid, 
Table VII. — Gross cash income and expenditures, expenses, and 
dividends - 

In- BAN4 1 COMPANIBfl or OTHBB States, 

Table VI II. — Cask capital, risks, assets, liabilities, and surplus, 
Table IX. — Risks written, premiums received, and losses paid, 
Table X. — Gross cash income and expenditures, expenses, and 

dividend-, 

Table XT. — United States Branches, showing deposits, etc 
Table XII. — United States Branches, business of 1882, 

MA88AI BU8BTT8 Bisiness in Detail. — Table XIII, . 



Statistics of Fires in Massachusetts, .... 
Table XIV. — Property, Fires, Insurance, Loss, etc., . 
Table XV. — Fires classified b} T Months 

Table XVI. — Causes of Fires 

Table XVII. — Summary 

Table XVIII. — Receipts and Expenditures of the Insurance De 
partment, 



PAGE 

xxi 

xxi 

xxii 

xxiii 

xxiv 
xxiv 

xxviii 



xxxn 

xxxvi 

xxxviii 

xl 

xlvi 

xlvi 

li 

lv 

lix 

lix 



DETAILED STATEMENTS. 

Massachusetts Mutual Fire Companies, 1 

Massachusetts Mutual Marine Companies, 71 

Massachusetts Joint-Stock Fire, Marine, and Fire-Marine Companies, . . 79 

Fire, Marine, and Fire-Marine Insurance Companies of other States, . . 127 

United States Branches of Foreign Companies, 343 

Foreign Fire Companies — Summary of Home Statements, .... 389 
List of Agents of Insurance Companies of other States and Foreign 

Countries, with Amount of Business done and Tax paid by each, . . 393 



Appendix, 



507 



€ommotu»caltl) of Jtla00ac!)usett0. 



Insurance Department, April 23, 1883. 

To the Honorable the Senate and House of Representatives, 

It devolves {it once upon me, on my entrance into the 
office of Insurance Commissioner for the Commonwealth, to 
submit to the Legislature Part I. of the Annual Report, 
being the Twenty-Eighth, of this Department, for the year 
1882, a period covered by the administration of my official 
predecessor. It relates principally to the Fire and Marine 
branch of the business of Insurance. The method of 
arrangement of its contents is uniform with former reports, 
and it contains the exhibits and other information required 
by the statute, together with additional matters of informa- 
tion deemed of value to the public. As I have not been in 
previous position to become familiar with the operations of 
the Department, and could not, without inadmissible delay, 
make an intelligent personal examination of the matters 
embraced in the Report, for obvious reason I forbear criti- 
cal mention, commendatory or otherwise. 

Respectfully submitted. 

JOHN K. TARBOX, 

Insurance Commissioner, 



TWENTY-EIGHTH ANNUAL REPORT 



OP THE 



INSURANCE COMMISSIONER. 



PART I. 

FIRE AND MARINE INSURANCE. 



This volume contains abstracts and summaries of the 
annual statements of all Insurance Companies, except Life, 
Fidelity, and Casuality, authorized in 1882, and now con- 
tinuing to do business in this Commonwealth, showing their 
financial condition December 31st, 1882, and the amount 
and character of their transactions during the year ending 
on that date. 

In the last annual Report of this Department, one hundred 
and ninety-six Companies were represented ; since its date 
nine have been admitted, the Wellfleet Marine also report- 
ing this year for the first time, and eighteen have with- 
drawn, making the total number now authorized one hundred 
and eighty-eight, which are classified as follows : 

Massachusetts Mutual Companies, .... 50 

Massachusetts Joint Stock Companies, ... 21 

Companies of other States, ..... 88 

Companies of Foreign Countries, .... 29 

The following is a list of the Companies admitted and with- 
drawn with respective dates : 



VIII 



REPORT OF THE 



Admitted. 



HAMS OF COMPANY. 


Locntlon. 


Date. 


City of London Fire, . 

United States Fire, 

London and Provincial Fire, 

German Fire, .... 

United Firemen's, 

Montank Fire, .... 

New Orleans, .... 

Sun Fire Office Co., . 

Thames and Mersey Marine, 


London, Eng., 
New York, N. Y., 
London, Kng., 
Pittsburg, Penn., 
Philadelphia, Pa., 
Brooklyn, N.Y., 
New Orleans, La., 
London, Eng., 
Liverpool, Eng., 




Feb. 8, 1882. 
Mar 22, 1882. 
April 4, 1882. 
May 10, 1882. 
May 10, 1882. 
Sept. 23, 1882. 
Sept. 25, 1882. 
Dec. 9, 1882. 
Feb. 8, 1883. 



Withdrawn, 



NAME OF COMPANY. 


Location. 


Date. 


Lamar, . . . . . 


New York, N. Y., . 


Jan. 


18, 1882. 


Commonwealth, 






Boston, . 


Feb 


11, 1882. 


Firemen's, . 






Baltimore, Md., 


Mar. 


16, 1882. 


Hamburg-Magdeburg 


' • 




Hamburg, Ger., 


May 


1, 1882. 


Granby Mutual, . 






Granby, . 


Apri 


1 18, 1882. 


Lumbermen's, . 






Philadelphia, Pa., . 


June 


13, 1882. 


Relief Fire, 






New York, N Y., . 


June 


17, 1882. 


National, . 






Baltimore, Md., 


Aug. 


4, 1882. 


People's, 






Newark, N. J., * . 


Oct. 


10, 1882. 


Manhattan Fire, 






New York, N. Y., . 


Oct. 


20, 1882. 


Franklin of Boston, 






Boston, . 


Nov. 


25, 1882. 


Newark City, 






Newark, N. J., 


Dec 


23, 1882. 


Tradesmen's Fire, 






New York, N. Y., . 


Dec. 


31, 1882. 


Trade, 






Camden, N. J., 


Dec. 


31, 1882. 


Buffalo, 






Buffalo, N. Y., 


Dec. 


31, 1882. 


Watertown, 






Watertown, N. Y., . 


Dec. 


31, 1882. 


Irving, 






New York, N. Y., . 


Mar. 


24, 1883. 


La ( lonfiance, 






Paris, France, . 


Mar. 


24, 1883. 



Of the above-named retiring Companies, the Lamar re-in- 
biircd its business in the Phenix of Brooklyn; the Common- 



INSURANCE COMMISSIONER. ix 

wealth in the Commercial Union; the Hamburg-Magdeburg 
in the Fire Insurance Association of London; the People's 
of Newark in the Niagara; the Manhattan in the Phenix ot 
Brooklyn ; the Franklin in the Scottish Union and National ; 
the Newark City in the Citizens' of New York ; the Trades- 
men's in the Standard of London ; and the Watertown in the 
Sun Fire Office. The others simply retired from this field. 

By Act of the General Court, approved March 24, 1883, 
the name of the " Beverly Insurance Company" is changed 
to " Merchants' Insurance Company of Boston," and its loca- 
tion from Beverly to Boston. It is also authorized to in- 
crease its capital to five hundred thousand dollars. 

The following legislation will also be of interest to Marine 
underwriters : 

An Act to Change the Basis upon which the Insurance Commissioner 
shall compute the amount necessary to reinsure outstanding itlsks 
of Mabine Insurance Companies. 

Section 1. Section eleven of chapter one hundred and nineteen of 
the Public Statutes is amended so as to read as follows: " Section 11. 
When in determining the liabilities of an insurance company it is nec- 
essary to ascertain the amount necessary to reinsure all its outstand- 
ing risks, he shall compute the same by taking fifty per cent, of the 
amount of premium written in its policies upon outstanding fire and 
inland risks, and sixty per cent, of the amount of premium written in 
its marine policies upon yearly risks and risks covering more than one 
passage, not terminated, and the full amount of premium written in its 
policies upon all other marine risks not terminated. 11 

Sect. 2. This act shall, take effect upon its passage. [Approved 
April 11, 1S83. 

Massachusetts Companies Closing Business. 
Since date of last report, the Granby Mutual Fire Insur- 
ance Company of Granby, and the Franklin Insurance Com- 
pany of Boston, have voted to discontinue business, and 
close their affairs. The policies of the former have all been 
surrendered and cancelled, and those of the latter are re-in- 
sured in the Scottish Union and National Insurance Com- 
pany of Edinburgh. 

Receiverships. 
During the year, the Receivers of the Merchants', Ex- 
change, and Shoe and Leather Dealers' have made their final 



X 



REPORT OF THE 



•unts, paid the unclaimed dividends into the State Treas- 
ury as provided in section 173 of chapter 119 of the Public 
Statute-, and the Receiverships have been closed by order of 
the Court. 

The Receivers of the New England Mutual Marine, 
Franklin Fire, and Washington have petitioned for leave to 
make a final dividend and close their affairs, and the same 
lias been ordered and is now in progress. 

The condition of the Howard, Neptune, Manufacturers', 
and Conway Mutual remains substantially unchanged. 

The figures of the following " Comparative Tables " are 
derived from totals of Tabulations I. to XIII. , inclusive, and 
are designed to exhibit in a condensed form the business of 
the past 3'ear, and at the same time a comparison with that 
of the next preceding. 



Comparative Table A. — Massachusetts Mutual Fire Insurance 

Companies. 





1881.* 


1882.f 


Increase or De- 
crease in 1882. 


Assets, .... 


$6,539,902 


$6,859,426 


+$319,524 


Liabilities, 


2,646,516 


3,005,668 


+359,152 


Surplus, .... 


3,883,233 


3,845,890 


—37,343 


Income, .... 


2,418,387 


2,635,184 


+216,797 


Expenditures, . 


2,025,959 


2,285,248 


+259,289 


Risks written, . 


210,263,771 


231,371,625 


+21,107,854 


Net premiums received, . 


2,086,740 


2,286,990 


4- 200,250 


Risks outstanding, . 


421,935,439 


442,585,277 


+20,649,838 


Losses paid, . 


707,105 


533,072 


—174,033 


Losses incurred, 


489,605 


809,973 


+320,368 


Assessments collected, . 


6,302 


7,038 


+736 


Profits returned, 


914,306 


1,328,733 


+414,427 


Expenses, 


378,937 


402,169 


+23,232 



* Forty-eight companies. 



f Forty-eeveu companies. 



INSURANCE COMMISSIONER. 



XI 



Comparative Table I>. — Massachusetts Joint-Stock Insurance 

Companies. 





1881.' 


1882.f 


Increase or 
Decrease In 18S2. 


( lash capital, 


$0,950,00 ) 


$6,757,200 


—$192,800 


Assets, .... 


13,768,654 


13,486,330 


—277,824 


Liabilities, 


4,119,-299 


4,090,570 


—28,729 


Surplus, .... 


9,644,355 


9,395,700 


—248,595 


Income, .... 


0,055,187 


6,259,771 


-f-204,584 


Expenditures, . 


5,987,848 


6,263,702 


+325,859 


Risks written, . 


618,707,056 


585,201,317 


—33,565,739 


Net premiums received, . 


6,466,878 


5,679,253 


+212,875 


Risks outstanding-, . 


456,659,896 


431,017,070 


—25,642,826 


Losses paid, 


3,776,684 


4,111,146 


+334,462 


IS incurred, 


4,524,196 


4,2(i5,440 


—318,756 


Expenses 


1,574,319 


1,675,430 


+101,111 


Cash dividends declared,. 


581,000 


481,000 


—100,000 



* Twenty companies. 



t Nineteen companies. 



Comparative Table C. — Fire and Marine Insurance Companies 

of other States. 



1881.* 



1882. t 



Increase or 
Decrease in 1S82. 



Cash capital, . 


$44,914,100 


$44,036,100 


—$878,000 


Assets, .... 


126,466,331 


127,742,216 


+1,275,885 


Liabilities, 


37,939,634 


40,371,061 


+2,431,427 


Income, .... 


52,029,765 


53,930,318 


+1,900,553 


Expenditures, . 


49,238,444 


52,062,525 


+2,824,081 


Fire risks written, . 


4,543,380,175 


4,690,402,970 


+147,022,795 


Net premiums received, . 


37,054,911 


38,011,136 


+956,225 


Marine risks written, 


1,344,041,709 


1,493,244,223 


+149,202,514 


Net premiums received, . 


9,298,325 


10,061,941 


+763,616 


Fire losses paid, 


20,373,062 


22,261,795 


+1,891,733 


Mar'ne or inl'd losses p'd, 


6,346,183 


6,050,419 


—295,764 


Dividends paid, 


5,219,303 


5,237,318 


+18,015 


Expenses, .... 


15,327,954 


15,606,283 


+ 278,329 


* Ninety-four companie. 


i. 


t Eighty-nine comp 


>anies. 



Xll 



KEPORT OF THE 



Comparative Table D. — United States Branches of Foreign 

Companies. 





1881.* 


1882. t 


Increase in 18S2. 


Assets in I'liili'd States, . 


125,463,284 


|32,74 t,676 


$7,281, 392 


Liabilities in United States, 


13,820,008 


16,777,694 


2,957,6216 


Income, .... 


20,535,293 


25,782,068 


5,216,775 


Expenditures, . 


17,967,284 


22,978,035 


5,010,751 


Risks written, . 


2,703,122,078 


3,425,036,705 


721,914,627 


Net premiums received, . 


19,473,485 


24,636,536 


5,163,051 


Losses paid, 


11,786,921 


15,344,516 


3,557,595 


Expenses, 


6,170,157 


7,633,519 


1,463,362 



* Twenty-eight companies. 



t Thirty companies. 



Aggregates of all the Companies. 



I SHI. 



1882. 



Increase or 
Decrease in 1S82. 



Assets, 

Liabilities, 

Surplus as regards policy- 
holders, 

Income, 

Expenditures, . 

Fire risks written, 

Fire premiums received 
(net), . 

Marine risks written, 

Marine premiums received 
(net), . 

Eire losses paid, 

Marine losses paid, . 

Expenses, 

Fire risks outstanding 1 , 

Marine risks outstanding 

Fire losses incurred, 

Marine losses incurred, 



$174,599,124 
59,042,247 

115,546,724 

81,893,386 

76,047,256 

7,825,378,116 

61,586,373 
1,668,302,386 

12,555,448 

34,844,310 

8,758,472 

23,617,799 

8,014,812,007 

232,369,398 

35,491,468 

10,066,617 



$182,274,263 
64,582,054 

117,684,341 

89,088,563 

84,142,119 

8,558,718,918 

67,171,330 
1,896,030,997 

13,940,732 

40,135,872 

8,506,503 

25,397,760 

8,746,809,578 

256,649,926 

40,941,32!) 

9,103,050 



+$7,675,139 
-1-5,539,807 

+2,137,617 

+7,195,177 

+8,094,863 

+733,340,802 

+5,584,957 
+227,728,611 

+1,385,284 

+5,291,562 

—246,969 

+1,779,961 

+731,997,571 

+24,280,528 

+5,449,861 

— 963,567 



INSURANCE COMMISSIONER. 



xiu 



Compakative Tarle E. — ^^<lssachusetts Business.* 





1881. _ 


1882. 


Increase or De- 
crease in 1.882. 


Fire risks written, . 


$642,512,633 


$686,030,272 


+$13,487,639 


Fire premiums received, . 


6315,864 


6,244,053 


+128,699 


Fire losses paid, 


2,819,847 


4,480,797 


+1,660,950 


Fire losses incurred, 


2384,047 


4,915,949 


+2,031,902 


Marine risks written, 


271,022,10-1 


269,705,834 


—1,316,270 


Marine premiums received, 


3,456,606 


3,254,537 


—202,069 


Marine losses paid, . 


2,620,262 


2,170,139 


—450,123 


Marine losses incurred, . 


2,660,422 


2,166,996 


—493,426 



* For details of this business see Table XIII. 



Comparative Ratios of Tarle E. 




1888. 



lVrcontage 

Of Increase 

or Decrease 

In 1882. 



Fire premiums received to risks written 
(premium rate), 

Fire losses incurred to risks written, . 

Fire losses incurred to premiums received, 

Marine premiums received to risks written 
(premium rate), 

Marine losses incurred to risks written, 

Marine losses incurred to premiums re- 
ceived, 



.91 


.91 


.45 


.72 


49.34 


78.73 


1.28 


1.21 


.98 


.80 


76.94 


66.57 



+55 56 
+59.57 

—5.67 
—18.37 

—13.48 



Fires in Massachusetts in 1882. 

In Tables XIV., XV., and XVI. are presented the statis- 
tics of fires occurring in the Commonwealth during 1882, 
and following these a comparison of experience for the last 
five years. 

In addition to the aggregates for the year there is to be 
considered the loss by the extensive fire at Haverhill, 
February 17, 1882, which destroyed 54 buildings and 
blocks, containing 269 shops and warehouses, almost ex- 
clusively occupied in shoe manufacture and its accessories. 



xiv REPORT OF INS. COMMISSIONER. 

The amount of loss is unknown, nor is any approximation to 
it here attempted ; however, as the amount of insurance 
actually paid was $1,314,358.27 and it is well known that 
numerous and large values were uninsured, it is believed 
safe to conclude the total loss was not less than one and a 
half million dollars. From the impossibility of obtaining 
accurate particulars of the values and losses on the different 
occupations, as well as the exceptional nature of the occur- 
rence, it was not thought best to attempt to adjust the items 
to the regular tables. 



STATISTICAL TABULATIONS. 



XVI 



REPORT OF THE 



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XX XIX 



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PvEPORT OF THE 



Table XIII. — Massachusetts Business for 1SS2. 
Massachusetts Mutual Fun-; Companies. 





Kisks 


rremiums 


Premium 


Loss< - 


Losses 


NAME OF COMPANY. 


Written. 


Received. 


- rec'd. 


Paid. 


Incurred. 


Ablngl ii 


$821,111 


$12,486 


$87, 






Annisquam 




- 


4,629 


93 


93 


Arkwright, .... 


14,430,249 


120,175 


600,877 


12,188 


62,188 


Ashfield 


1,500 


7 


45 


- 


- 


Attleborongb, .... 


842,510 


2,213 


9,102 


18 


18 


Barnstable County, . 


1,023,636 


17,467 


49.66S 


4,102 


3,466 


Berkshire, .... 


970,315 


12,627 


37,881 


5,248 


4,168 


Boston Manufacturers', . 


27,671,949 


231,326 


1,156,630 


65,595 


115,595 


Bristol County, 


4"S.S90 


3,018 


61,822 


1,5 12 


1,502 


Cambridge 


1,768,750 


23,121 


46,241 


4,464 


4,614 


Citizens', 


5,313,183 


69,087 


137,702 


14,769 


13,469 


Cohasset, 


65,570 


1,040 


4,161 


15 


15 


Cotton and Woolen, 


1,101,537 


10,350 


51,751 


3,737 


18,737 


Dedbam, 


853,168 


9,724 


19,532 


1,438 


1,429 


Dorchester, .... 


3,381,670 


49,552 


49,552 


17,027 


14,791 


Essex, 


194 975 


3,497 


10,490 


2,291 


1,036 


Fall River Manufacturers', 


6,105,547 


53,158 


265,789 


7.HK; 


57,106 


Filchburg. .... 


4,846,938 


69,801 


69,801 


22,427 


27,587 


Franklin, 


664,069 


8,999 


26,998 


5,191 


3,312 


Groveland, .... 


348,453 


- 


20,035 


4,484 


4,484 


Hampshire, .... 


899,875 


8,539 


25,617 


5,940 


5,940 


Hingbam, 


3,191,270 


48,711 


60,590 


14,338 


14,766 


Holyoke, 


5,633,168 


73,821 


73,222 


45,566 


45,666 


Lowell 


847,020 


9,151 


18,202 


73 


73 


Lynn 


299,982 


4,086 


16,346 


89 


89 


Massachusetts, .... 


2,954,755 


20,004 


_ 


3,736 


3,736 


Merchants 1 and Farmers', 


3,425,127 


46,805 


46,805 


19,026 


19,026 


Merrimack, .... 


4,844,258 


60,519 


126,652 


19,454 


21,936 


Middlesex, .... 


4,646,518 


66,493 


06,403 


16,377 


16,377 


Milford 


138,225 


1,530 


4,589 


- 


- 


Mill Owners', .... 


5,218,741 


54,274 


271,371 


6,094 


33,646 


Mutual Fire Assurance, . 


836,600 


12,546 


25,092 


•J, 7 55 


3,600 


Mutual Protection, . 


201,450 


1,929 


5,788 


639 


639 


Newburyport, .... 


80,100 


1,049 


8,301 


58 


558 


Norfolk 


3,547,380 


52,308 


106,932 


22,038 


18,848 


Qnincy, 


6,816,756 


90,340 


90,340 


18,591 


18,508 


Salem, 


371,275 


5,267 


15,800 


595 


177 


Salisbury and Amesbury, 


29,874 


243 


2,431 


55 


55 


Saugus, 


889,400 


- * 


109,0 11 


26 


26 


Shelburne, .... 


86,608 


532 


5,315 


- 


5 


South Danvers, 


135,200 


2,805 


8,415 


221 


177 


Spinners', 


1,602,789 


13,136 


65,680 


5,136 


7,229 


Traders' and Mechanics', 


4,056,415 


55,218 


65,218 


11,469 


11,669 


Westford, 


81,125 


777 


2,332 


- 


- 


West Newbury, 


272,085 


- 


10,951 


175 


175 


Worcester Manufacturers', 


8,726,019 


77,378 


383,153 


4,967 


55,967 


Worcester Mutual, . 


7,484,714 


107,849 


107,849 


25,818 


25,738 


Totals 


$137,388,629 


$1,512,868 


$4,372,696 


$401,277 


$644,257 





INSURANCE COMMISSIONER. 



xli 



TABLE XT II. — Massachusetts Business for 1882 — Continued. 
Massachusetts Mutual Marine Companies. 



NAME OF COMPANY. 


Risks 
Written. 


Premiums 
Received. 


Losses paid 


Losses 
Incurred. 




$19,123,278 
4,060,824 


$393,336 

86,771 


$199,925 
56,418 


$199,925 
54,228 




$23,184,102 


$480,107 


$256,343 


$254,153 



Massachusetts Joint-Stock Companies. 
Fire Business. 



American, 


$3,581,482 


$22,338 


$3,549 


$3,549 


Bovlfton, 


11,607,402 


85,885 


25,881 


23,350 


Dwelling House 


2,872.-:"-. 


16,873 


2,281 


1,279 


Eliot 


1,679,227 


18,231 


12,026 


12,026 


Firemen's Fire, 


6,045,091 


53,537 


43,:;64 


43,148 


First National, 


3,957,560 


47,013 


36,440 


41,457 


Gloucester 


2,004.479 


22,113 


13,130 


13,878 


Manufacturers' Fire and Marine, . 


15, 144. ins 


136,791 


57,698 


59,365 


Mercantile Fire and Marine, . 


3,096,452 


21,583 


11,904 


9,298 


Neptune, 


5,494,611 


66,524 


66,868 


61,524 


North American 


4,654,631 


29,917 


8,38 \ 


8,368 


Prescott 


4,653,664 


42,265 


39,090 


44,903 


Shoe and Leather, 


9,657,213 


73,342 


112,097 


108,113 


Springfield Fire and Marine, 


11,221,535 


113,476 


121,157 


118,742 


"Washington 


6,793,558 


41,395 


30,288 


25,165 


Totals, 


$91,363,709 


$791,283 


$584,157 


$574,165 



Marine Business. 



American 


$5,676,646 


$89,011 


$77,134 


$84,391 


Beverly, 


527,878 


13,158 


4,792 


4,792 


Boston Marine, 


30,265,763 


657,443 


441,142 


551,834 


Boylston, 


11,101,672 


111,364 


57,432 


47,609 


Equitable Marine, 


475,458 


22,714 


4,957 


5,132 


Gloucester, 


113,918 


4,722 


4,791 


4,687 


Manufacturers', 


16,711,390 


100,447 


103,060 


96,881 


Mercantile Fire and Marine, 


3,124,775 


83,975 


54,891 


35,296 


Neptune, 


626,079 


32,763 


24,574 


21,471 


Salem Marine, 


2,170,850 


45,096 


31,435 


31,435 


Shoe and Leather 


20,082,469 


264,543 


202,035 


177,890 


Washington, 


6,702,391 


105,917 


94,790 


77,550 


Totals, 


$97,; -9,289 


$1,531,153 


$1,101,033 


$1,138,968 



xlii 



REPORT OF THE 



TABLE XIII — Mussachusetts Business for 1SS2 — Continued. 

Companies of other States. 
Fire Business. 



NAME OF COMPANY. 


Risks Written. 


Premiums 
Received. 


Losses Paid. 


Losses 
Incurred. 


-Etna, 

Albany, 

American, 

American Central, .... 
American Exchange 


$15,467,240 

593,295 

1,275,553 

1,876,237 

449,425 


$139,343 

5,569 

7,136 

16,633 

3,014 


$158,122 

3,207 

5,057 

10,565 

1,606 


$150,804 

3,188 

5,307 

10,231 

1,606 


American Fire (N.Y.), .... 
American Fire (Phila.), 
Atlantic Fire and Marine, 

Buffalo German, 

Citizens' (New York) 


1,427,536 
4,645,041 
764,474 
2,398,492 
3,460,682 


7,640 
39,585 

7,396 
20,432 
30,148 


3,055 
22,060 

6,718 

17,907 
28,085 


3,189 

29,628 

8,405 

16,289 

29,217 


Citizens' (St. Louis), .... 

City Fire, 

Clinton, 

Commerce, 

Commercial Fire, 


254,633 

875,006 

1,254,073 

1,592,093 

2,420,989 


2,808 

4,304 

6,717 

16,264 

25,372 


1,676 
28 

2,157 
19,861 
11,101 


2,150 
14 

2,510 
19,887 
13,662 


Connecticut Fire, 

Continental, 

Delaware Mutual Safety, 
Enterprise Fire and Marine, 
Equitable Fire and Marine, . 


4,587,600 
5,716,285 
2,647,713 
695,883 
3,432,145 


50,629 

51,734 

9,533 

7,506 

27,235 


59,275 

55,889 

4,087 

7,470 

29,824 


68,205 

52,259 

4,087 

7,470 

32,158 


Exchange Fire 

Farragut Fire, 

Fire Association, ..... 
Fire Ins. Co , County of Phila , . 
Fireman's Fund, 


1,069,500 
361,286 

7,856,978 
691,896 

2,339,946 


7,915 
3,202 

87,635 
5,722 

17,381 


10,418 

6,542 

100,546 

3,467 

19,915 


10,668 

6,542 

101,894 

3,467 

25,577 


Firemen's (Dayton) , . 

Firemen's (Newark), .... 

Firemen's (New York), 

Franklin, 

German American 


729,944 

1,767,121 

822,394 

3,717,035 
7,332,595 


8.06S 
10,400 

4,145 
33,369 
63,613 


5,030 

5,299 

5,504 

11,744 

92,956 


5,665 

7,544 

7,754 

11,744 

88,615 


German Fire, 

Germania, 

(J hard Fire and Marine, 

Glens Falls 

Greenwich, 


755,374 
4,980,256 
1,140,756 
2,075,990 
1,222,425 


7,375 
48,003 

8,100 
17,058 

6,775 


34,994 
3,227 

6,280 
2,500 


37,983 
3,227 
6.3S0 
2,588 


Guardian Fire, 

Hanover Fire, 

Hartford Fire 

Home, 

Howard 


709,474 

4,726,616 

7,805,645 

19.839,382 

2,936,642 


5,696 
39,942 

87,423 

165,888 

27,217 


660 
55,151 
90,959 

147,loo 
26,824 


660 
65,708 

90,822 

153,004 

30.0S5 


Ins. Co. of North America, . 
Ins. Co. State of I'enna., 

1 1 vim,', 

Jefferson, 

Long Island 


12,462,772 

1,744,474 

206,664 

681,210 

1,244,437 


115,790 
13,269 

2,387 
3,771 
7,524 


97,151 

24,173 

4,745 

3,780 

9,866 


98,613 

22,853 

3,245 

3,808 

9,366 


Lorillard, 

Manufacturers' and Builders', 
Mechanics' Fire 

Mercantile, 

Merchants' (Newark), .... 


1,108,164 

1,603,425 

882,694 

827,160 
2,942,708 


6,819 

11,449 
6,914 

1.010 
22,664 


7,853 
28,941 

11,202 

41,452 


7,853 
24,016 
12,040 

2,500 
42,784 



INSURANCE COMMISSIONER. 



xliii 



Table XIII. — Massachusetts Business for 18S2 — Continued. 

— ^^— i^^— i^^^— -— ^— ^^p> 



NAME OF COMPANY. 



IUsksWritt.il. 



Premiums 
Received. 



Losses Paid. 



Losses 
Incurred. 



Merchants' (Ne^ York), 


$1,002,442 


$5,906 


$(•,,117 


$5117 


Merchants' (Providence,) 


3,120,023 


28,431 


40,088 


48,683 


nferiden Fire, 


8,418,680 


32,477 


22,600 


22,449 


Montauk. 


106,722 


1,062 


- 


- 


National (Hartford), .... 


8,587,067 


27,759 


42,959 


45,392 


National (New York), .... 


1,616,655 


11,459 


12,699 


15,249 


Newark Fire 


1,:;>S,098 


10,858 


31,409 


27,690 


Now Hampshire Fire, .... 


4,988,064 


50,153 


31,777 


33,349 


Now ( Orleans 


1,129,082 


7,054 


4,402 


1,000 


New York Bowery, .... 


4,731,418 


40,444 


27,559 


28,324 


New York Fire, 


1,282,291 


11,859 


11,567 


13,874 


Niagara Fire 


6,529,018 


50,836 


47,864 


68,062 


Northwestern National, 


1,279,318 


8,824 


9,123 


0,635 


Orient 


4,175,460 


38,124 


81,029 


50,475 


Paclflo Fire 


2,64! 


17,136 


9,816 


9,361 


Pennsylvania Fire, .... 


6,498,654 


58,510 


66,046 


73,888 


People's, ...... 


1,087,829 


9,146 


6,672 


6,687 


riionix (New York), .... 


9,488,760 


67,492 


30,191 


36,400 


Phoenix (Hartford) 


s.:>72,7:;4 


82,784 


lis, 72:. 


123,923 


Providence Washington, 


9,287,729 


83,098 


34,049 


46,557 


Rochester German 


1,464,962 


13,851 


16,974 


16,836 


Rutgers 


1,109,867 


7,600 


6,867 


6,867 


Security, 


1,192,331 


16,208 


16,510 


17,505 


Standard, 


958,776 


9,854 


17,129 


14,517 


Star Fire, 


3,157,921 


24,028 


41,201 


36,807 


Sterling 


928,940 


6,031 


2,906 


2,981 


St. Paul Fire and Marine, . 


929,059 


7,433 




3,968 


Traders 


1,117,546 


11,890 


18,422 


11,399 


Union fPhlla.) 


6,359,484 


34,629 


29,850 


38,034 


Union (San Francisco), 


2,074,952 


13,846 


23,306 


28,306 


United Firemen's, 


496,396 


3,494 


4,836 


1,386 


United states Fire, .... 


267,000 


1,158 


- 


594 


Westchester Fire, 


3,718,788 


34,593 


35,797 


28,507 


Willianisburgh City, .... 


4,835,714 


37,624 


20,133 


23,633 


Totals 


$252,680,192 


$2,190,718 


$2,155,410 


$2,225,251 



Mfirine Busi?iess. 



Atlantic Mutual, 

Commercial Mutual 

Continental 

Delaware Mutual Safety, 
Equitable Fire and Marine, . 


$11,146,014 

1,212,274 

358,563 

35,867,727 

204,266 


$187,565 

23,961 

1,114 

302,415 

1,276 


$33,320 

17,798 

270,098 
604 


$33,320 
17,798 

232,602 
804 


Great "Western, 

Ins. Co. of North America, . 

Northwestern National, 

Orient Mutual, . 

Phenix 


7,769,992 

62,741,600 

1,393,861 

282,219 

4,031,853 


47,790 

404,315 

8,922 

3,762 

19,249 


30,195 

348,533 

3,949 

2,085 

8,278 


8,308 
348,533 
4,310 
2,085 
8,278 


Providence "Washington, 

Union (Phila.), 

United States Lloyds 


5,629,447 

1,256,634 

696,316 


67,654 
10,652 
10,140 


29,313 

17,723 

5,110 


37,772 

21,123 

513 


Totals 


$132,590,766 


$1,088,815 


$767,006 


$715,446 



xliv 



REPORT OF THE 



Table XIII. — Massachusetts Business for 1SS2 — Concluded. 

United States Branches Foreign Companies. 
Fire Business. 



NAME OF COMPANY. 



Risks Written. 



Premiums 

Received. 



Losses Paid. 



Losses 
Incurred. 



British America, . 

City of London, 

Commercial Union, 

Contiance, 

Fire Insurance Association, 



Guardian Assurance, 
Hamburg Bremen, 
Imperial, 
Lancashire, . 
Lion Fire, 



Liverpool and London and Globe, 
London Assurance, 
London and Lancashire, 
London and Provincial, 
Metropole, 



North British and Mercantile, 
Northern Assurance, . 
North German, 
Norwich Union, . 
Phoenix Assurance, . . 



Queen, 

Reassurances Generales, 

Royal, 

Scottish Union and National, 
Standard Fire Office Co., 



Sun Fire Office, . 
Transatlantic, 
Western Assurance, 

Totals, 



$3,296,045 
8,682,253 

14,795,777 
8, 176,075 
5,571,215 



6,054,338 
3,540,819 
9,256,503 
7,085,627 
2,058,900 



23,045,948 
8,208,357 
6,176,192 
5,130,044 
8,125,658 



15,178,692 
5,858,775 
2,560,930 
3,912,373 
9,971,506 



12,633,253 
3,391,483 

20,003,313 
2,207,875 
9,668,917 



2,641,223 
1,207,797 
1,207,856 



$204,597,744 



$32,609 
82,028 

139.548 
34,055 
52,606 



52,402 
28,616 
78,675 
72,618 
18,665 



176,884 
55,970 
67,230 
49,636 
90,424 



126,211 
51,772 
25,271 
32,438 

70,448 



73,783 
34,355 
184,513 
19,369 
43,884 



25,718 

8,669 

20,787 



$20,118 
21,872 
84,170 
32,491 
44,178 



43,529 
28,415 
54,569 
93,057 
15,554 



120,514 

63,340 
11,904 
67,003 



130,479 
23,965 
36,081 
23,397 
84,271 



99,898 

10,471 

139,967 

4,6' 5 

33,033 



10,410 

5,588 

36,989 



$1,749,184 



$1,339,953 



$25,866 
23,392 
86,902 
30,586 
50,349 



45,895 
27,615 
54,218 
99,419 
15,213 



127,750 
35,528 
72,738 
13,401 
75,988 



137,482 
29,826 
34,331 
23,397 

88,774 



110,068 
15,435 

149,156 

4,705 

37,417 



14,410 

7,097 

35,318 



$1,472,276 



Marine Business. 



British and Foreign Marine, 

Union Marine 


$14,345,958 
2,005,719 


$117,924 
36,538 


$28,952 
16,805 


$38,950 
19,479 


Totals, 


$16,351,677 


$154,462 


$45,757 


$58,429 



INSURANCE COMMISSIONER. 



xlv 



RECAPITULATION. 

Fire Business. 





Risks 
Written. 


rremiums 
Received. 


Losses 
Paid. 


Lossoi 
Incurred. 


Massachusetts Mutual Fire Companies, 
Massachusetts Joint-Stock Companies, 

Companies of other States, . 
United States Branches, 


$137,888,029 

91,863,709 

262,680,190 

204,697,744 


$1,512,868 

791,283 

2,190,7 IS 

1,749,184 


$401,277 

584,157 

2,156,410 

1,339,953 


$644,257 

574,165 

2,225,251 

1,472,276 


Totals, 


$686,080,272 


$6,244,053 


$4,480,797 


$4,915,949 



Marine Business. 



Mass. Mutual Marine Companies, 
Massachusetts Joint-Stock Companies, 
Companies of other States, . 
United States Branches, 


$23,184,102 

97,6" 
132,590,768 

16,851,677 


$480,107 

1,531,153 

1,088,815 

154,462 


$256,343 

1,101,033 

767,006 

45,767 


$254,153 

1,138,968 

715,446 

58,429 


Totals, 


$269,705,834 


$3,254,537 


$2,170,139 


$2,166,996 



xlvi 



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Machine-shops, 

Mason and plumbing works, 

MillineiT-stores, 


Offices, .... 

Oil-clothing manufactories, 

Oil-stores, 

Oil-works, 

Paint-shops, 

Paper-mills, 

Paper-stores, . 

Photograph-rooms, 

Pickle-factories, 

Pocket-book manufactories, 

Printing-establishments, 

Provision-stores, 

Public buildings, 

Railroad-depots, cars and coa 

Rope-walks, . 

Rubber-mills, . 

Saw and planing mills, . 



INSURANCE COMMISSIONER. 



xlix 



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REPORT OF THE 



Comparison of Table XIV. for Five Years. 



Year. 


No. of 
Fires. 


Insurance. 


Damage. 


Amount 

Insurance 

raid. 


Total 
Losses. 


Partial 
Losses. 


1878, . 

1879, . 

1880, . 

1881, . 

1882, . 


1,728 
1,852 
1,722 
1,694 
1,758 


$7,703,226 
8,086,657 
11,033,541 
11,414,179 
12,406,617 


$3,683,265 
3,626,430 
4,454,221 
4,312,642 
4,789,906 


$2,525,182 
2,604,274 
3,159,515 
3,059,424 
3,688,780 


532 
605 
596 
511 
529 


1,196 
1,247 
1,126 
1,183 
1,229 


Total, . 
Average, 


8,754 
1,750 


$50,644,220 
§10,128,844 


$20,866,464 
$4,173,292 


§15,037,175 
$3,007,435 


2,773 
554 


5,981 
1,196 



ENSUKANCE COMMISSIONER. 



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Almshouses, 

Bakeries and confectioneries, 

Barbers' shops, . 

Barns and private stables, . 

Blacksmiths' shops, . 

Black-lead manufactories, . 

Bleacheries, ... 

Boarding and lodging houses, 

Boiler and engine houses, . 

Book and stationery stores, 

Book-binderies, . * . 

Boot and shoe manufactories, 

Boot and shoe stores, . 

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Brush manufactories, . 
Carpet-lining manufactories, 
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Chain-shops and founderies, 
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Cider-mills, 

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Clothing stores, . . . . 
Club-rooms and billiard-halls, . 



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INSURANCE COMMISSIONER. 



liii 



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INSURANCE COMMISSIONER. 



lv 



Table XVI. — Causes of Fires Classified. 



Property. 



Cause of Fire. 



Almshouses, . 

Bakeries and confectioneries, 

Barbers' shops, 

Barns and private stables, 

Blacksmiths' shops, 

Black-lead manufactories, 
Bleacheries, . 

Boarding and lodging houses, 

Boiler and engine houses, 

Book and stationery stores, . 
Book-binderies, 

Boot and shoe manufactories, 



Boot and shoe stores, 

Breweries, 

Brick-kilns, 

Brush manufactories, 

Carpet-lining manufactories, 

Cement works, 

Chain-shops and founderies, 



Churches, 

Cider-mills, 

Cigar stores and manufactories, 

Clothing-stores, 

Club-rooms and billiard-halls, 

Comb-manufactories, . 

Cotton-batting manufactories, waste- 
houses, jute and shoddy mills, . 



Defective chimney, 1; exposure, 1; un- 
known, 1. 

Boiling over of kettle of fat, 1 ; defective 
oven, 2: defective beating apparatus, 
2; incendiary, 1; unknown, 1. 

Exposure, 4 ; kerosene lamp or stove, 1 ; 
unknown, 1. 

Breaking lantern, G; careless use of 
matches, 3; children with matches, 17; 
defective chimney, 2; defective heating 
apparatus, 5; exposure, 30; fireworks, 
1 ; incendiary, 101 ; kerosene lamp or 
Btove, 1; lightning, 9; smoking, 10; 
sparks from chimney, 1 ; sparks from 
locomotive, 2; spontaneous, 3; un- 
known, 70. 

Defective chimney, 1 ; exposure, 5 ; in- 
cendiary, 3 ; smoking, 1; sparks from 
chimney, 2; >parks from forge, 8; 
spontaneous, 1. 

Exposure, 1. 

Friction, 1. 

Exposure, 2; kerosene lamp or stove, 2 ; 
unknown, 1. 

Sparks from furnace, 1 ; spontaneous, 1 ; 
unknown, 2. 

Ashe.- in wooden vessels, 1 ; exposure, 1 ; 
fireworks, 1 ; spontaneous, 2. 

Exposure, 2. 

Ashes in wooden vessels, 1 ; careless use 
of matches, 1; defective chimney, 6; 
defective heating apparatus, 1 ; ex- 
posure, 3 ; exposure to gas jet, 1 ; igni- 
tion of volatile oil, 1; incendiary, 2; 
kerosene lamp or stove, 1 ; smoking, 1 ; 
sparks from furnace, 1 ; spontaneous, 
1 ; unknown, 5. 

Careless use of matches, 1 ; exposure, 3. 

Exposure to gas jet, 1 ; incendiary, 1. 

Sparks from kiln, 2. 

Unknown, 1. 

Friction, 1. 

Exposure, 1 ; ignition of volatile oil, 1. 

Defective chimney, 1 ; hot iron on wood- 
works, 1 ; smoking, 1 ; sparks from 
chimney, 4 ; sparks from forge, 1 ; 
sparks from furnace, 3 ; unknown, 2. 

Defective chimney, 3 ; defective heating 
apparatus, 2 ; exposure, 2 ; incendiary, 
2; unknown, 1. 

Incendiary, 1. 

Ashes in wooden vessels, 1 ; defective 
chimney, 1 ; defective heating ap- 
paratus, 2; exposure, 2; incendiary, 
1 ; kerosene lamp or stove, 1 ; spon- 
taneous, 1 ; unknown, 3. 

Exposure, 2 ; incendiary, 1 ; kerosene 
lamp or stove, 2; unknown, 1. 

Exposure, 2; incendiary, 1; kerosene 
lamp or stove, 1. 

Unknown, 2. 

Exposure, 1 ; friction, 6 ; incendiary, 1 ; 
sparks from chimney, 1 ; spontaneous, 
3 ; unknown, 2. 



lvi 



REPORT OF THE 



Table XVI. — Causes of Fires Classified — Continued. 



Property. 



Cause of Fire. 



Cotton-factories, 

Crockery and glassware stores, 



Curriers' shops, morocco-manufactories, 
and tanneries, .... 



Dining-rooms, . 



Drug-stores, 



• • -I 



Dry, woollen, fancy-goods, and trim- 
ming stores, 



Dwelling-houses, 



Dye-works, .... 

Dye-woods and chemical wOrks, 
Emery-wheel manufactories, . 

Flouring and grist mills, 

Fruit-stores, 

Furniture-stores, 

Gas-works, 

General stores, 
Grain-stores, . 

Greenhouses, . 
Grocery-stores, 



Hardware stores, 

Harness manufactories, 
Hay-stores, 



Exposure, 1 ; explosion of gas, 1 ; fric- 
tion, 1; lightning, 1; spontaneous, 1; 
unknown, 4. 

Exposure, 1 ; unknown, 2. 

Defective heating apparatus, 1 ; expo- 
sure, 5; friction, 1; ignition of volatile 
oil, 1; incendiary, 2; smoking, 1; 
sparks from chimney, 3 ; sparks from 
furnace, 1 ; spontaneous, 1 ; un- 
known, 4. 

Careless use of matches, 1 ; exposure, 2; 
exposure to gas jet, 1 ; incendiary, 1 ; 
kerosene lamp or stove, 1 ; smoking, 
1; sparks from stove, 1; unknown, 1. 

Exposure, 3; ignition of volatile oil, 2; 
kerosene lamp, 1 ; unknown, 6. 

Exposure, 8 ; exposure to gas jet, 8 ; in- 
cendiary, 1 ; kerosene lamp or stove, 
2 ; spontaneous, 3 ; unknown, 4. 

Ashes in wooden vessels, (> ; boiling over 
of kettle of fat, 1 ; boiling over of kettle 
of tar, 1; careless use of matches, 22; 
children with matches, 38; clothes 
exposed to lamp or stove, 11 ; defective 
chimney, 128; defective heating ap- 
paratus, 24 ; explosion of chemicals, 1 
explosion of gas, 3; exposure, 131 
exposure to gas jet, 14; fireworks, 11 
fumigating buildings, 2; ignition of 
volatile oil, 2; incendiary, 45; kero- 
sene lamp or stove, 62; plumber's fur- 
nace, 1 ; rats and matches, 13 ; smoking, 
15; sparks from chimney, 25; sparks 
from hoisting engine, 1 ; sparks from 
stove, 7 ; sparks from locomotive, 1 ; 
spontaneous, 10; thawing water pipes, 
2 ; unknown, 109. 

Defective heating apparatus, 1 ; ignition 
of volatile oil, 1. 

Exposure, 1 ; incendiary, 1 ; unknown, 3. 

Exposure, 1; unknown, 1. 

Defective chimney, 1 ; friction, 1 ; sparks 
from chimney, 1 ; unknown, 1. 

Defective heating apparatus, 2; expos- 
ure, 1; incendiary, 1; unknown, 1. 

Exposure, 2; exposure to gas jet. 1 ; un- 
known, 4. 

Boiling over of kettle of tar, 2; sparks 
from furnace, 1. 

Defective chimney, 1 ; exposure, 3; un- 
known, 1. 

Exposure, 1 ; incendiary, 2; smoking, 1. 

Defective chimney, 1; defective heating 
apparatus, 3; fireworks, 1; unknown, 
2. 

Careless use of matches, 2; defective 
chimney, 1 ; defective heating appara- 
tus, 1; exposure, 9; incendiary, 8; 
kerosene lamp or stove, 6 ; unknown, 
11. 

Exposure, 1 ; explosion of gas, 1 ; un- 
known, 2. 

Careless use of matches, 1 ; unknown, 2. 

Incendiary, 1. 



INSURANCE COMMISSIONER. 



lvii 



Table XVI. — Causes of Fire Classified — Continued. 



FROPERTT. 



Causk of Fire. 



Hotels, 



Icehouses, 

Jewelry manufactories, 

Jewel rv- stores, 

Junk-shops, 

Laundries, 
Leather-stores, 



Liquor-stores and saloons, 

Livery-stables, 
Looking-glass manufactories, 
Lumber-sheds and wharves, , 



Machine-shops, 

Mason and plumbing works, 
Millinery stores, 

Offices, .... 



Oil-clothing manufactories, 
Oil-stores, 

Oil-works, 
Paint-shops, 

Paper-mills, 

Paper-stores, . 
Photograph stores, . 
Pickle-factories, 
Pocket-book manufactories, 



Printing establishments, . 

Provision-stores, 
Public buildings, . 



Children with matches, 1 ; clothes ex- 
posed to lamp or stove, 1 ; defective 
chimney, 2; defective heating appara- 
tus, 1; exposure, 1; incendiary, 2; 
kerosene lamp or stove, 2 ; sparks from 
chimney, 1 ; unknown, 6. 

Exposure, 1 ; incendiary, 5 ; unknown, 2. 

Exposure to gas jet, 1 ; sparks from 
forge, 1; unknown, 2. 

Exposure, 1; fireworks, 1; unknown, 1. 

Incendiary, 2 ; spontaneous, 2 ; unknown, 

Defective chimney, 1 ; defective heating 
apparatus, 1; unknown, 1. 

Ashes in wooden vessels, 1 ; defective 
heating apparatus, 1 ; ignition of vola- 
tile oil, 1 ; spontaneous, 1. 

Exposure, 1 ; kerosene lamp or stove, 1 ; 
smoking, 1 ; spontaneous, 1 ; unknown, 
2. 

Exposure, 1 ; incendiary, 2 ; smoking, 1 ; 
unknown, 3. 

Exposure, 1. 

Exposure, 1 ; incendiary, 2 ; smoking, 1 ; 
unknown, 2. 

Careless use of matches, 1 ; defective 
chimney, 1 ; defective heating appara- 
tus, 1 ; exposure, 4 ; exposure to gas 
jet, 1 ; ignition of volatile oil, 1 ; in- 
cendiary, 1; sparks from chimney, 2; 
sparks from furnace, 1 ; sparks from 
forge, 1; spontaneous, 2; unknown, 8. 

Ignition of volatile oil, 1 ; plumber's 
furnace, 1 ; unknown, 1. 

Clothes exposed to lamp or stove, 1 ; 
exposure, 3; exposure to gas jet, 2; 
fireworks, 1. 

Careless use of matches, 3 ; defective 
chimney, 5 ; defective heating appara- 
tus, 2; exposure, 8; fireworks, 1; in- 
cendiary, 1 ; kerosene lamp or stove, 
3 ; sparks from chimney, 1 ; sponta- 
neous, 2 ; unknown, 7. 

Boiling over of kettle of tar, 1. 

Ignition of volatile oil, 1. 

Explosion of gas, 1 ; incendiary, 1 ; 
sparks from furnace, 1. 

Defective chimney, 2; exposure, 6; in- 
cendiary, 5; unknown, 3. 

Incendiary, 1; spontaneous, 2; un- 
known, 4. 

Exposure, 1 ; incendiary, 1. 

Exposure, 1 ; unknown, 1. 

Unknown, 1. 

Unknown, 1. 

Defective heating apparatus, 1 ; expos- 
ure, 4; incendiary, 1; kerosene lamp 
or stove, 1 ; spontaneous, 2; unknown, 
4. 

Defective chimney, 1 ; defective heating 
apparatus, 1 ; exposure, 6 ; unknown, 
1. 

Careless use of matches, 1 ; defective 
heating apparatus, 1 ; exposure, 7 ; 
incendiary, 4; smoking,!; unknown, 6. 



lviii 



REPORT OF THE 



Table XVI. — Causes of Fire Classified — Continued. 



Property. 



C \i se of Fire. 



Railroad depots, cars, and coal-sheds, . ^ 

Rope-walks, 

Rubber mills, 

Saw and planing mills, . 



School-houses, 

Shoemakers' shops, 
Slaughter-houses, . 
Soap-manufactories, 



Storehouses, . . . . • . <( 



Stove and tinware stores, 
Straw-works, 

f 
i 

Tailoring and dressmaking establish- ! 
merits, 1 



Thread-factories, 
Tobacco-barns, 



Unoccupied buildings, 



Upholsterers' shops, 
Vessels (at wharves), 
Whip-manufactories, 

Wood-sheds, . 



Wood- working establishments, 



Woollen-factories, . 
Wool stores, . 






Boiling over of kettle of tar, 1 ; careless 
use of matches, 2; defective chimney, 
1 ; defective heating apparatus, 5 ; in- 
cendiary, 3; ignition of volatile oil, 1 ; 
rats and matches, 1 ; smoking, 1 ; sparks 
from locomotive, U; spontaneous, 8; 
unknown, 4. 

Incendiary, 1. 

Careless use of matches, 1 ; ignition of 
volatile oil, 3; spontaneous, 2; un- 
known, 1. 

Defective chimney, 2 ; friction, 2 ; incen- 
diary, 3; sparks from chimney, I; 
sparks from furnace, 4; unknown, 5. 

Defective chimney, 1 ; defective heating 
apparatus, 1 ; fireworks, 1 ; incendiary, 
1 ; spontaneous, 1. 

Defective chimney, 2. 

Incendiary, 3. 

Defective chimney, 1 ; incendiary, 1. 

Ashes in wooden vessels, 1 ; careless use 
of matches, 1 ; children with matches, 
1; exposure, 7; ignition of volatile 
oil, 2; incendiary, 5 ; lime and water, 
1 ; smoking, 1 ; sparks from chimney, 
1 ; sparks from locomotive, 2 ; spon- 
taneous, 2; unknown. 6. 

Exposure, 1; spontaneous, 1. 

Defective heating apparatus, 1. 

Careless use of matches, 1 ; defective 
heating apparatus, 2 ; exposure, 3 ; 
ignition of volatile oil, 1 ; incendiary, 
3 ; kerosene lamp or stove, 1 ; spon- 
taneous, 1; unknown, 1. 

Unknown, 2. 

Careless use of matches, 1. 

Children with matches, 1 ; defective 
heating apparatus, 1 ; exposure, 2 ; 
incendiary, 38; lightning, 1; sparks 
from locomotive, 1 ; spontaneous, 1 ; 
unknown, 5. 

Defective chimney, 1 ; exposure, 1. 

Unknown, 1. 

Sparks from chimney, 1 ; unknown, 1. 

Ashes in wooden vessels, 1 ; careless use 
of matches, 1; children with matches, 
2; exposure, 1; incendiary, 3; un- 
known, 3. 

Children with matches, 2 ; defective chim- 
ney, 4; defective heating apparatus, 
10; exposure, 6; friction, 3; ignition 
of volatile oil, 2; incendiary, 9; kero- 
sene lamp or stove, 2; sparks from 
chimney, 5; sparks from locomotive, 
2 ; sparks from stove, 3 ; spontaneous, 
7; unknown, 25. 

Exposure, 2; friction, 1; incendiary, 2; 
spontaneous, 2 ; unknown, 4. 

Unknown, 1. 



INSURANCE COMMISSIONER. 



lix 



Table XVII. — Summary of Causes. 



Caisk. 


*„. 


Cause. 


No. 


Unknown, 


371 


Clothes exposed to lamp or 




Exposure, 


299 


stove, 


13 


Incendiary (as reported), . 


277 


Ashes in wooden vessels, 


12 


Defective chimney, 


171 


Sparks from forge, . 


11 


Kerosene lamp or stove, . 


91 


Lightning, .... 


11 


Defective heating apparatus, 


74 


Breaking lantern, 


6 


Spontaneous 


62 


Explosion of iras, 


6 


Children with matches, 


62 


Boiling over of kettle of tar, . 


5 


Sparks from chimney, 


49 


Boiling over of kettle of fat, . 


2 


Careless use of matches, . 


43 


Defective oven, 


2 


Smoking, 


38 


Fumigating building, 


2 


Exposure to gas-jet, . 


30 


number's furnace, . 


2 


Sparks from stove or furnace, . 


24 


Sparks from kiln, 


2 


Ignition of volatile oil, 


21 


Thawing water-pipes, 


2 


Fireworks, 


18 


Explosion of chemicals, . 


1 


Friction 


17 


Hot iron on wood- work, . 


1 


Sparks from locomotive, . 


17 


Lime and water, 


1 


Rats and matches, 


14 


Sparks from hoisting engine, . 


1 



Table XVIII. — Statement of the Receipts and Expenditures of 
the Insurance Department for the Year ending Dec. 31, 1882. 

[Maie pursuant to chap. 119, sect. 21, Public Statutes.] 

Receipts. 



Compensation for valuation of life insurance policies, 
License fees, filing statements, certificates, etc., 



115,878 71 
19,461 00 



$35,339 71 



Expenditures. 



Julius L. Clarke, salary 


$3,000 00 




William S. Smith, deputy, .... 


2,500 00 


$5,500 00 






Clerks. 






Fred L. Cutting, first clerk, .... 


$1,800 00 




James G. Bovey, second clerk, 


1,500 00 




Herbert Morissey, extra clerk, 


1,000 00 


4,300 00 






Extra Clerks. 






C. E. Weis, . \ 


$840 00 




C. L. Sawyer, 










770 00 




A N. Tenney, 










810 00 




M. A. Allen, . 










840 00 




M. L. McMann, 










840 00 




A. M. Hawes, 










840 00 




E. L. Johnson, 










840 00 




E. W. Cushman, 










840 00 








6,650 00 















lx 



REPORT OF INS. COMMISSIONER. 



Table Will. — Statement of Receipts, etc. — Concluded. 



Gem. k'al Expenses. 








Printing and binding, . 


$547 4 




Travelling lares and expenses, 






197 


51 




Postage, .... 






588 


18 




Certificate and other books, . 






18 


25 




Stationery, .... 






118 


CO 




Expressage, telegrams, etc., . 






76 


55 




Valuation tables, etc., . 






25 


00 




Advertising, .... 






318 


96 




Newspapers, .... 






16 


00 




Post-office scale, . 






3 


50 




Prosecutions for violation of laws, 




42 


25 




Miscellaneous, .... 




18 


25 










$1,970 45 








Total expenditures for 1882, . 


$18,420 45 


Fees collected and paid into State treasury, 


i • 




35,339 71 


Surplus accrued to Commonwealt 


h, 




$16,919 26 



MASSACHUSETTS MUTUAL 



FIRE INSURANCE COMPANIES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, fob the Year ending 

December 31, 1882. 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



ABIXGTON MUTUAL FIRE INSURANCE COMPANY, 

ABINGTON. 

[Incorporated May 30, 1S56. Commenced business, June 15, 1857.] 

Joseph Vaughn, President. Isaac C. Rowland, Secretary pro tern. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 

Chicago city bonds, 

Toledo city bonds, 

Union Pacific Railroad bonds, . 
Eastern Railroad bonds, .... 
Mansfield and Framingham Railroad bonds, 
Old Colony Railroad bonds, 

14 shares Northern Pacific Railroad, 

15 " Middlesex Central Railroad, . 

6 " Metropolitan National Bank, Boston 

14 " First National Bank, Salem, . 

15 " City National Bank, Boston, . 
10 " Globe National Bank, Boston, . 
10 " State National Bank, Boston, . 

10 " Old Boston National Bank, Boston, 
26 " Abington National Bank, Abington 
20 " First National Bank, Danvers, 
10 " Nat'l Hide and Leather B'k, Boston 

5 " National Webster Bank, Boston, 

6 " Nat'l Bank of the Republic, Boston 
Personal loans, 



Par Value. 

55,000 00 
3,000 00 
1,000 00 
1,000 00 
2,000 00 
1,000 00 
3,000 00 
1,400 00 
1,500 00 

600 00 
1,400 00 
1,500 00 
1,000 00 
1,000 00 

500 00 
2,600 00 
1,500 00 
1,000 00 

500 00 

600 00 



Summary of Assets Dec. 31, 1882. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, . 
Cash deposited in the Abington Nat'l Bank, 
Premiums in course of collection (net), . 
Interest due and accrued, 
Office furniture and safes, . . $300 00 
Gross assets, 



$500 00 
4,625 00 
36,674 00 
705 57 
914 56 
187 71 
450 89 



Market value. 

$5,998 75 

3,680 00 

1,210 00 

1,135 00 

2,190 00 

1,000 00 

3,570 00 

1,190 00 

1,541 25 

726 00 

1,680 00 

1,777 50 

1,065 00 

1,247 50 

600 00 

3,646 50 

1,920 00 

1,096 25 

548 75 

751 50 

100 00 

$36,674 00 



$44,057 73 



1882.] 



INSURANCE COMPANIES. 



Liabilities. 

Claimed and reported losses not adjusted, . 
Claims for losses disputed or resisted, 
Unearned premiums on outstanding risks, . 
Dividends of profits due on terminated policies, 
State and loeal taxes due or accrued, . 
Rents, salaries and incidental expenses, 
Gross liabilities, 

Surplus, 

Income. 

Gross cash premiums received during the year, $12,611 72 

Deduct return premiums, 896 45 

Net cash premiums received, 
Received for interest on mortgages, . 

for interest from all other sources, 

for rents, 

Deposit notes received during the year, . $37,532 79 

Gross cash income, 

Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, .... 

Miscellaneous. 
Risks outstanding Dec. 31, 1881, . 
Risks written during 1882, . 

Total, 

Risks terminated during 1882, 



.$1,000 00 




. 550 00 




.17,941 28 




161 25 




23 97 




74 34 






$19,750 81 




. , 


$24,306 89 



$2,167,271 00 
823,211 00 



[1,715 27 

240 88 

1,699 99 

86 00 



$13,742 14 



$6,316 14 

1,740 47 

1,143 17 

117 19 

3,087 77 

25 00 

384 57 

$12,814 31 



$2,990,482 00 
742,863 00 



Net amount in force Dec. 31, 1882, 2,247,619 00 

Deposit notes received on outstanding risks, . . . 108,452 21 
Losses incurred during the year, . . ... . 6,036 12 

Percentage of profits or surplus returned during 1882, 15, 25, 40 per 

cent. 
Average rate to date, 25 per cent. 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



ANNISQUAM MUTUAL FIRE INSURANCE COMPANY, 

GLOUCESTER. 

[Incorporated March 11, 1847. Commenced business Dec. 28, 1S47.] 

CHARLES A. Fernald, President. James S. Jewett, Secretary. 

[Xote. — This company charges a cash premium adequate for ex- 
penses only, and relies upon assessments upon deposit notes to pay 
losses.] 

Summary of Assets Dec. 31, 1882. 
Loans on mortgage of real estate (first liens), . #2,675 00 
United States bonds, . 
Loans on personal security, 
( 'ash in the office of the company, 
Cash deposited in savings banks, 
Interest due and accrued, . 

Office safe, $85 00 

Gross assets, .... 

Income. 

Received for interest on mortgages, . 

for interest from all other sources, 

from assessments on deposit notes, 
Deposit notes received during the year, 

Gross cash income, .... 

Expenditures. 

Paid for losses during the year, . 

for salaries and fees of officers and employes, 
for State and local taxes, . 
for incidental expenses, 

Gross cash expenditures, 

Miscellaneous. 

Risks outstanding Dec. 31, 1881, . 

Risks written during 1882, 

Total, 

Risks terminated during 1882, 

Net amount in force Dec. 31, 1882, 

Deposit notes received on outstanding risks, 

Losses incurred during the year, 



595 00 




1,075 00 




63 33 




2,088 28 




109 69 






$6,606 30 






$135 50 


, 


145 61 


, . 


142 78 


14,628 85 





$423 89 



. 




$93 00 


oyes, . 




277 00 

1 08 

18 13 


• 


$389 21 


$348,152 


00 




68,380 00 








$416,532 00 






• 




73,005 00 


% 


$343,527 00 


• 


. 


23,404 25 


% 


_ 


93 00 



1882.] 



INSURANCE COMPANIES. 



ARKWRIGIIT MUTUAL FIRE INSURANCE COMPANY. 

BOSTON. 

[Incorporated Feb. 8, 1860. Commenced business Oct. 1, I860.] 

Waldo IIigginson, President. Edwabd H. Sprague, Secretary. 

Office, 131 Devonshire Street. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $25,000 00 $29,750 0<> 

Massachusetts State bonds, .... 20,000 00 22,600 ■) 

Maim- State bonds, 12,000 00 13,560 00 

Boston city bonds, 20,000 00 # 24,200 00 

Providence city bonds, 10,000 00* 11,400 00 

Old Colony Railroad bonds 15,000 00 18,450 00 

Boston and Maine Railroad bonds, . . 12,000 00 14,760 00 

Boston and Lowell Railroad bonds, . . 12,000 00 14,400 00 

Boston and Albany Railroad bonds, . . 12,000 00 14,760 00 

Fitchburg Railroad bonds, .... 10,000 00 12,300 00 

Atch., Topeka and Santa Fe R. R. bonds, . 10,000 00 12,000 00 

Chic, Burl, and Qnincy Railroad bonds, . 30,000 00 29,500 00 

Phils , Wil. and Baltimore Railroad bonds, . 20,000 00 20,600 00 

Corporation notes, - 20,000 00 

$258,280 00 
Summary of Assets, Dec. 31, 1882. 
Stocks, bonds, etc., as per schedule, . . $258,280 00 
Cash in the office of the company, . . 140 26 

Cash deposited in the bank, . . . 32,837 92 

Interest accrued, 3,641 66 

Gross assets, $294,809 84 

Liabilities. 

Claimed and reported losses, not adjusted, $59,506 12 
Unearned premiums on outstanding risks, . 136,577 56 
State and local taxes, due or accrued, . . 602 40 

Gross liabilities, 196,686 08 

Surplus, $98,213 76 



Income. 

Gross cash premiums received during the 

year, 

Deduct return premiums, .... 
Net cash premiums received, 
Received for interest from all sources, 
Deposit notes received during the year, 

Gross cash income, .... 



$285,944 35 
12,513 56 



$1,429,721 75 



$.273,430 79 
12,709 43 

$286,140 22: 



6 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Expenditures. 

Raid for losses during the year, . .... $39,329 35 

for salaries and fees of officers and employes, . . 14,184 55 

for State; and local taxes, 2,672 01 

for profits or surplus on terminated policies, . . 191,38181 

for rents, 1,150 00 

for incidental expenses, 2,884 72 

dross cash expenditures, $251,602 44 

Miscellaneous. 

Risks outstanding Dec. 31, 1881, . . $28,387,344 00 
Risks written during 1882, .... 32,893.271 00 

Total, $61,280,615 00 

Risks terminated during 1882, 29,885,898 00 



Net amount in force Dec. 31, 1882, .... $31,394,71700 
Deposit notes received on outstanding risks, . . 1,365,775 60 

Losses incurred during the year, .... 97,555 37 

Percentage of profits or surplus returned during 1882, 77^ per cent. 
Average rate to date, 65^ per cent. 



ASHFIELD MUTUAL FIRE INSURANCE COMPANY, 

ASHFIELD. 

[Incorporated June 4, 1873. Commenced business July 19, 1873.] 

Henry S. Ranney, President. Asa G. W 'ait \ Secretary . 

[Note. — Insures property in the town of Ashfield only.] 

Summary of Assets, Dec. 31, 1882. 

Cash in the office of the company, . . $121 50 

Unpaid assessments on deposit notes, . 171 54 

Gross assets, $293 04 

Income. 

Gross cash premiums received during the year, ... $7 50 

Received from assessments on deposit notes, ... 38 88 

Deposit notes received during the year, . . $45 00 

Gross cash income, .... . . $46 38 

Expenditures. 

For salaries and fees of officers and employes, ... $4 00 

For State and local taxes, 1 17 



Gross cash expenditures, . . . . . $5 17 

Miscellaneous. 

Risks outstanding Dec. 31, 1881, . . . $45,153 50 

Risks written during 1882, .... 1,50000 

Total $16,653 50 

Deposit notes received on outstanding risks, . . . 1,450 86 



1882.] 



INSURANCE COMPANIES. 



ATTLEBOROUGH 



MUTUAL FIRE INSURANCE COMPANY, 
ATTLEBOROUGH. 



[Incorporated Fob. 24, 1S44. Commenced business July 1, 1845.] 

Joseimi W. CAPBOK, President. Elijah R. Read, Secretary. 

Summary of Assets Dec. 31, 1882. 

Loans on mortgage of real estate (first liens), $3,975 00 

School district notes, 7,135 35 

Deposited in savings banks, . . . 5,294 91 

Deposited in the First National Bank, . 1,167 95 

Interest cine and accrued, .... 413 73 

Gross assets, 

Liabilities. 
Unearned premiums on outstanding risks, . $4,817 47 
Gross liabilities, 



Surplus, 



Income. 
Gross cash premium received during the year, 
Deduct return premium, .... 
Net cash premiums received, 
Received for interest on mortgages, . 
Received for interest from all other sources, 
Received from all other sources, 
Deposit notes received during the year, 

Gross cash income, .... 

Expenditures. 

Paid for losses during the year, . 

for brokerage and commissions, . 

for State and local taxes, 

for incidental expenses, . - . 



,241,610 00 
342,510 00 



$17,986 94 



4,817 47 
L3,1G9 47 



$2,274 89 






61 39 








$2 


,213 50 

210 00 




. 




369 08 


, 




95 40 


$9,101 72 







$2,887 98 



$17 


90 


318 


00 


24 


29 


42 


00 



§402 19 



Gross cash expenditures, 

Miscellaneous. 

Risks outstanding Dec. 31, 1881, . . . \ 
Risks written during 1882, .... 

Total, - 

Risks terminated during 1882, 276,760 00 



$1,584,120 00 



Net amount in force Dec. 31, 1882 

Deposit notes received on outstanding risks, 

Losses incurred during the year, 



$1,307,360 00 

38,499 78 

17 90. 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE 
COMPANY, YARMOUTH. 

[Incorporated March 2, 1833. Commenced business August 1, 1S33.] 

JosErn R. Hall, President. Frank Thacher, Secretary. 



Detailed Statement of Stocks, 

22 shares Merchandise National Bank, 
20 " 
25 " 

4 " 
8 " 

15 " 

5 " 
40 " 
10 " 
63 " 
12 " 



1 State National Bank, . 
1 Tremont National Bank, 
1 Massachusetts National Bank, 
1 Shawmut National Bank, 
1 Nat'l Bank of Redemption, . 
National Bank of Republic, . 
1 First National Bank, Yarmouth. 
; Falmouth National Bank, 

Old Colony Railroad, 
1 Union Pacific Railroad, 

United States bonds, 

Maine State bonds, 

Fall River city bonds, . 

Sheboygan city bonds, . 

Union Pacific Railroad bonds, 

Old Colony Railroad bonds, . 

Iowa Falls and Sioux City Railroad bonds 

Chicago and East Illinois Railroad bonds, 

Oregon Short Line Railroad bonds, 



Bonds, etc. 

Par value. 

$2,200 00 
2,000 00 
2,500 00 
1,000 00 

800 00 
1,500 00 

500 00 
4,000 00 
1,000 00 
6,300 00 
1,200 00 
8,000 00 
2,500 00 
1,000 00 

750 00 

15,000 00 

5,000 00 

2,000 00 

1,800 00 

700 00 



Market value. 

$2,156 10 
2,500 00 
2,862 50 
1,115 00 

880 00 
1,946 25 

626 25 
5,200 00 
1,200 00 
8,473 50 
1,236 00 
9,060 00 
2,900 00 
1,200 00 

600 00 

16,892 50 

5,837 50 

2,380 00 

1,902 00 

700 00 



$59,750 00 $69,667 50 



Securities held as collateral for cash loans : - 

3 shares Mashpee Manufacturing Co., . 
Personal loans, 



Market value. Loaned thereon. 

$300 00 $300 00 

6,536 20 



Summary of Assets, Dec. 31, 1882. 

Cash value of unencumbered real estate, . $2,231 69 

Stocks, bonds, etc., as per schedule, . . 69,667 50 
Loans on collateral security, as per schedule, 6,836 20 

Cash in the office of the company, . . 284 55 

Cash deposited in various banks, . . 3,625 55 

Interest due and accrued, .... 607 75 

Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks, . $41,089 93 

State and local taxes, due or accrued, . 26 00 

Gross liabilities, 



$6,836 20 



$83,253,24 



41,115 93 



Surplus, . 



$42,137 31 



1882.] INSURANCE COMPANIES. 9 

Income. 
('ash premiums received during the year, .... $17,467 12 
Received for interest from all sources, .... 4,249 59 

Received from all policy lees, etc., 953 00 

Deposit notes received during the year, . $49,668 30 

Gross cash income, $22,669 71 

Expenditures. 

Taid for losses during the year, .... 
for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, .... 

Miscellaneous. 
Risks outstanding Dec. 31, 1881, . . . $5,226,952 00 
Risks written during 1882, .... 1,023,636 00 

Total $6,250,588 00 

Risks terminated during 1882, 999,914 48 

Net amount in force Dec. 31, 1882, 5,250,673 52 

Deposit notes received on outstanding risks, . . . 180,915 85 

Losses incurred during the year, 3,466 50 

Average rate to date, 80 per cent. 



$4,102 50 


2,932 


86 


154 


40 


11,300 


31 


8 33 


908 


32 


$19,406 


72 



BERKSHIRE MUTUAL FIRE INSURANCE COMPANY, 

PITTSFIELD. 

[Incorporated March, 1835. Commenced business August, 1835.] 

J. L. Peck, President. J. M. Stevenson, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value . 

Western Union Telegraph bonds, . . $4,000 00 $4,640 00 

Boston and Albany Railroad bonds, . . 6,000 00 7,500 00 

45 shares Boston and Albany Railroad. . 4,500 00 7,650 00 

140 " N. Y. Central and Hudson R. R. R , 14,000 00 17,640 00 

100 " Adams Express Co., . . . 10,000 00 13,200 00 

29 " Pittsfield National Bank, . . 2,900 00 4,350 00 

10 " Agricultural National Bank, . 1,000 00 2,000 00 

15 " First National Bank, . . . 1,500 00 1,875 00 



$43,900 00 $58,855 00 

Summary of Assets, Dec. 31, 1882. 

Stocks, bonds, etc., as per schedule, . . $58,855 00 
Personal loans (secured), . 3,000 00 



10 



.MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Cash in the office of the company, . . $3,531 44 

Deposited in banks, l SI 35 

Premiums in course of collection (net), . 467 51 

Interest due and accrued, .... 824 68 

Gross assets, $68,659 98 

Liabilities. 

Unearned premiums on outstanding risks, . $30,963 22 
Dividends of profits due on terminated 

policies, 150 00 

State and local taxes, due or accrued, . . 26 09 

Gross liabilities, 31,139 31 

Surplus $37,520 67 



Income. 

Gross cash premiums received during the 

year, 

Deduct return premiums, .... 
Net cash premiums received, 
Received for interest from all sources, 
Deposit notes received during the year, 

Gross cash income, ..... 



$12,627 04 
700 36 



$37,881 02 



Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, .... 
for salaries and fees of officers and employes, . 

for State and local taxes, 

for profits or surplus on terminated policies, 

for rents, . 

for incidental expenses, 

Gross cash expenditures, 

Miscellaneous. 

Risks outstanding Dec. 31, 1881, . . .$4,837,233 00 
Risks written during 1882, .... 970,315 00 



$11,926 68 
3,944 11 



L5,870 79 



£5,247 Q6 

1,149 61 

1,378 66 

111 84 

4,227 34 

250 00 

602 19 



$12,967 60 



Total, .... 
Risks terminated during 1882, 



$5,807,548 00 
1,030,431 00 



Net amount in force Dec. 31, 1882, $4,777,117 00 

Deposit notes received on outstanding risks, . . . 184,915 53 
Losses incurred during the year, . . . . 4,168 42 

Percentage of profits or surplus returned during 1882, 37 per cent. 
Average rate to date, 50 per cent. 



52.] 



INSURANCE COMPANIES. 



11 



BOSTON MANUFACTURERS 1 MUTUAL FIRE INSURANCE 

>MPANY, BOSTON. 

[Incorporated March 15, 1S50. Commenced busineaa Oct, 14, 1S50.] 

Edwabd Atkinson, Presid Wm. B. Whiting, Secretary. 

Office, 131 -hire 8i 

Detailed Statement OS STOCKS, BONDS, etc. 

Tar value. Market valne. 

L T nited States bonds |3f 00 ? 411,050 00 

Phila., Wil . and Baltimore Railroad bonds, .000 00 42,600 00 

Chic., Burl, and Quiney Railroad bonds, . 00 42,500 00 

•0,000 00 $496,150 00 
Summary of ASSETS, Dec. 31, l v 



Bonds as per schedule, 

ah in the office of the company, 

- deposited in bank, 
Interest accrued, .... 
Gross asse: 



8496,150 00 
75 27 

17,624 \ 



,299 64 



Liability 

Claimed and reported losses, not adjusted,,. f 61 ,213 39 

Unearned premiums on outstanding risks, . 2 15 
State and local taxes, due or accrued, . 

Gross liabilities, . 



318,604 9S 



Surplus $204,694 66 

Income. 

Gro^s cash premiums received during the 

year, $530,161 38 

Deduct return premiums, .... 18,292 42 

Xet cash premiums received, . . . $511,868 96 

Received for interest from all sources, .... 22,620 29 
Deposit notes received during the year, . $2,650,806 90 

Gross cash income, §534,489 25 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and empl 
for State and local taxes, .... 
for profits or surplus on terminated policies 

for rents 

for incidental expens .... 

Gross cash expenditures, .... 



$93,312 34 

32,720 94 

5,139 48 

364,(34 60 
2,350 00 
5,942 26 

,499 62 



12 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 

Risks outstanding Dec. 31, 1881, . . $55,904,337 00 
Risks written during 1882, . . . 63,978,798 00 



Total, . 
Risks terminated during: II 



52, 



-$119,883,135 00 
. 58,449,882 00 



Net amount in force Dec. 31, 1882, .... $61,433,25300 
Deposit notes received on outstanding risks, . . . 2,5G3,G21 50 

Losses incurred during the year, 154,525 73 

Percentage of profits or surplus returned during 1882, 78 T y ? per cent. 
Average rate to date, 67^^ per cent. 



BRISTOL COUNTY MUTUAL FIRE INSURANCE COMPANY, 

NEW BEDFORD. 

[Incorporated Feb. 29, 1829. Commenced business July 4, 1829.] 

Jonathan Bourne, President. George N. Alden, Secretary. 

[Note. — Policies are all issued for seven years. The premium is 
secured by notes assessable as required, and five per cent, on the notes 
is received in cash when the policy is issued.] 

Summary of Assets, Dec. 31, 1882. 

Cash in the office of the company, 
Deposited in Mechanics 1 National bank, 
Premiums in course of collection (net), 
Gross assets, 



Liabilities. 

Owing for borrowed money, 

State and local taxes, due or accrued, . 

Gross liabilities, 

Income. 

Gross cash premiums received during the 

year, 

Deduct return premiums, .... 

Net cash premiums received, 

Deposit notes received during the year, 



$134 54 
333 91 

137 77 


$1,800 00 
6 29 



$606 22 



$1,806 29 



$3,282 60 
117 02 

$64,770 00 



Gross cash income, 



Expenditures. 
Paid for losses during the year, . 

for brokerage and commissions, . 

for salaries and fees of officers and employ 

for interest on borrowed money, . 

for State and local taxes, 

for incidental expenses, 

Gross cash expenditures, 



es, 



$3,165 58 



$3,165 58 



$3,152 42 

142 01 

1,610 41 

55 95 

31 23 

171 50 



$5,163 52 



1882.] 



INSURANCE COMPANIES. 



13 



Miscellaneous. 

Risks outstanding Dec. 81, 1881, . . . $4,259,660 00 
Risks written during 1882, .... 520,(190 00 

Total, 

Risks terminated during 1882, ...... 



§4,779,756 00 
760,100 00 



Net amount in force Dec. 31, 1882, 

Deposit notes received on outstanding risks, 

Losses incurred during the year, 



$4,019,656 00 

507,786 00 

1,502 42 



CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY, 

CAMBRIDGE. 

[Incorporated March 13, 1833. Commenced business Jan. 1, 1834.] 

Josiaii W. Cook, President. Alfred L. Barbour, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Far value. 

5 shares Cambridgeport National Bank, . $500 00 

1 share Framingham National Bank, . 100 00 

15 shares National City Bank, Cambridge, . 1,500 00 

10 " First Ward Nat'l Bank, Boston, . 1,000 00 

Cambridge city bonds, 11,900 00 

Eastern Railroad bonds, .... 1,50000 

Bath city bonds 5,000 00 

Cincinnati city bonds, 6,000 00 

Portland city bonds, 10,000 00 

Belfast city bonds, 2,000 00 

Bangor city bonds, 3,000 00 

Rockland city bonds 3,000 00 

Marion county bonds, 1,000 00 

Vermont and Mass. Railroad bonds, . . 3,000 00 



Market value. 

8750 00 

150 00 

2,250 00 

1,200 00 

12,895 00 
1,650 00 
5,150 00 
7,800 00 

12,000 00 
2,040 00 
3,450 00 
3,000 00 
1,050 00 
3,090 00 



$49,500 00 $56,475 00 
Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

Union Pacific Railroad bonds, . . . $5,750 00 $5,000 00 

Personal loans, - 10,000 00 



Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $7,400 00 

Loans on mortgage of real estate (first liens), 32,183 00 

Stocks, bonds, etc., as per schedule, . . 56,475 00 

Loans on collateral security, as per schedule, 15,000 00 

Cash in the office of the company, . . 995 58 

Cash deposited in the various banks, . . 16.535 40 

Premiums in course of collection (net), . 1,727 51 

Interest due and accrued, .... 2,481 81 
Office furniture, safe, etc., . . $2,000 00 

Gross assets, 



$15,000 00 



$132,798 30 



14 MASSACHUSETTS MUTUAL FIRE [Doc. 31, 



Liabilities. 

Claimed and reported losses not adjusted, . $150 00 
Unearned premiums on outstanding risks, . 39,687 30 
Dividends of profits due on terminated poli- 
cies 211 60 

Gross liabilities, 

Surplus, 

Income. 

Gross cash premiums received during the 

year, $23,120 61 

Deduct return premiums, . . . .. 651 47 

Net cash premiums received, . . . 

Received for interest on mortgages, .... 

for interest from all other sources, 

for rents, 

Deposit notes received during the year, . $46,241 22 

Gross cash income, 

Expenditures. 

Paid for losses during the year, . 

for brokerage and commissions, . 
for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, .... 

Miscellaneous. 

Risks outstanding Dec. 31, 1881, . . . $5,338,087 00 
Risks written during 1882, .... 1,768,750 00 

Total, 

Risks terminated during 1882, 



$40,048 90 
$92,749 40 



522,469 14 

1,850 90 

3,614 04 

500 00 



$28,434 08 



$4,464 13 
2,030 77 
2,927 57 
272 57 
9,833 75 
550 00 
1,044 57 

$21,123 36 



$7,106,837 00 
1,648,812 00 



Net amount in force Dec 31, 1882, $5,458,025 00 

Deposit notes received on outstanding risks, . . . 158,359 67 

Losses incurred during the year, 4,614 13 

Percentage of profits or surplus returned during 1882, 40 and 50 per cent. 



1882.] INSURANCE COMPANIES. 15 



CITIZENS' MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated April 7, 1846. Commenced business Oct. 5, 1846.] 

H. C. Bigelow, President J. W. Peabody, Secretary. 

Office, S Exchange Place. 

Detailed Statement of Stocks, Bonds, etc. 

Tnr value. Market value. 

30 shares Hide and Leather Natl Bank, . $3,000 00 88,285 00 
10 " Farmington National Bank, . 1,000 00 1,000 00 

$1,000 00 $4,285 00 
Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

Marietta and North Georgia Railroad bonds, $8,500 00 $5,000 0J 
100 shares Chicago, Burlington and Quincv 

Railroad, 12,400 00 10,000 00 

50 shares Atchison, Topeka and Santa Fe 

Railroad, Burlington and Missouri River 

Railroad bonds, 6,522 00 6,000 00 

Personal loans secured, 89,625 64 



$60,625 64 



Summary of Assets, Dec. 31, 1882. 

Cash value of unencumbered real estate, . $.33,175 00 

Loans on mortgage of real estate (first liens), 84,900 00 

Stocks, bonds, etc., as per schedule, . . 4,285 00 

Loans on collateral security, as per schedule, 60,625 64 

Cash in the office of the company, . . 3,065 81 

Cash deposited in Maverick National Bank, 9,741 19 

Premiums in course of collection (net), . 7,237 65 

Interest due and accrued, .... 1,503 83 

Cash deposited in Pacific National Bank, . 23,000 00 

Gross assets, $247,534 12 

Liabilities. 

Unearned premiums on outstanding risks, . $142,444 31 

Gross liabilities, 142,444 31 



Surplus, $105,089 81 

Income. 

Gross cash premiums received during the 

year, $69,087 35 

Deduct return premiums, .... 3,165 32 

Net cash premiums received, . . . $65,922 03 



16 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Received for interest on mortgages, . 

for interest from all other sources, 

for rents, 

from profits on sale of real estate, etc., 

Deposit notes received during the year, . $137,701 96 



Gross cash income, 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, .... 

Miscellaneous. 

Risks outstanding Dec. 31, 1881, . . $20,577,440 00 



$1,909 80 

4,278 92 

3,810 85 

738 02 



$79,659 62 



$14,769 45 
9,971 35 
6,322 72 
2,484 23 
30,567 73 
806 00 
2,468 50 

$67,389 98 



Risks written during 1882, . 

Total, . 
Risks terminated during 1882, 



risks, 



Net amount in force Dec. 31, 1882, 
Deposit notes received on outstanding 
Losses incurred during the year, . 
Percentage of profits or surplus returned during 1882, 40, 50 and 70 
per cent. 



5,313,183 00 



$25,890,623 00 
. 5,297,395 00 



$20,593,228 00 

284,888 63 

13,469 45 



COHASSET MUTUAL FIRE INSURANCE COMPANY, 

COHASSET. 

[Incorporated March 1, 1845. Commenced business March 1, 1846.] 

Martin Lincoln, President. J. Q. A. Lothrop, Secretary. 

Summary of Assets Dec. 31, 1882. 

9 shares City National Bank, Boston, . . $1,119 00 

3 " Merchants 1 National Bank, Boston, 438 00 

Cash in the office of the company, . . 61 

Deposited in savings banks, . . . 1,633 05 

Premiums in course of collection (net), . 51 76 

Interest accrued 53 69 

Gross assets, $3,296 11 

Liabilities. 
Unearned premiums on outstanding risks, . $2,909 22 

Gross liabilities, 2,909 22 



Surplus, 



$386 89 



L882.] 



INSURANCE COMPANIES. 



17 



Income. 

Gross cash premiums received during the year, . . . $1,051 88 

eived for interest from all sources, .... 129 46 

Deposit notes received during the yean, . $1,160 60 

Gross eash income, $1,181 34 

Expenditures. 

Paid for losses during the year, $15 00 

for brokerage and commissions, 70 46 

for salaries and fees of officers and employes, . . 294 50 

for State and local taxes, 10 04 

for profits or surplus on terminated policies, . . 413 53 

for rents, 40 00 

for incidental expenses, 41 58 



Gross cash expenditures, 


• • • 


$885 11 


Miscellaneous. 






Risks outstanding Dec. 31, 1881, . 


$369,863 00 




written during 1882, .... 


65,570 00 




Total 




$135,433 00 




Risks terminated during 1882, 


. 


63,329 00 



Net amount in force Dec. 31, 1882, $372,104 00 

Deposit notes received on outstanding risks, . . . 23,273 76 

Percentage of profits or surplus returned during 1882, 40 per cent. 
Average rate to date, 50 per cent. 



COTTON AND WOOLEN MANUFACTURERS' MUTUAL IN- 
SURANCE COMPANY OF NEW ENGLAND, BOSTON. 

[Incorporated Oct. 19, 1875. Commenced business Oct. 20, 1875.] 

William C. Plunkett, President. B. F. Taft, Secretary.. 

Office, 131 Devonshire Street. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

Fitchburg Railroad bonds $16,000 00 

Boston city bond, 2,000 00 

Corporation notes, 15,000 00 



Market value 

$17,800 00 

2,185 00 

15,119 75 



$33,000 00 $35,104 75 

Summary of Assets Dec. 31, 1882. 

Stocks, bonds, etc., as per schedule, . . $35,104 75 

Cash in the office oi the company, . 190 67 

Cash deposited in bank, .... 14,881 64 

Premiums in course of collection (net), . 4,895 43 

Gross assets, $55,072 49 



18 MASSACHUSETTS MUTUAL FIKE [Dec. 31, 



Liabilities. 

Claimed and reported losses not adjusted, . $ 13,818 27 

Unearned premiums on outstanding risks, . 22,872 68 

State and local taxes due or accrued, . 118 22 

Gross liabilities, 

Surplus, 

Income. 
Gross cash premiums received during the year, $ 47,907 55 



Deduct return premiums, 
Net cash premiums received, 
Received for interest from all sources, 
Received for rents, .... 

Received from all other sources, . 
Deposit notes received during the year, 

Gross cash income, 



2,162 19 



$•239,537 75 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 



Gross cash expenditures, 



Miscellaneous. 



Risks outstanding Dec. 31, 1881, 
Risks written during 1882, . 
Total, .... 
Risks terminated during 1882, 



$3,847,104 00 
4,801,872 00 



$36,809 17 
$18,263 32 



$45,745 36 

1,640 22 

250 00 

60 00 



$17,695 58 



$12,379 20 

4,190 52 

412 02 

14,738 41 

750 00 

4,147 65 

$36,617 80 



£8,648,976 00 
4,077,391 00 



Net amount in force Dec. 31, 1882, $4,571,585 00 

Deposit notes received on outstanding risks, . . . 239,537 75 

Losses incurred during the year, 27,313 62 

Percentage of profits or surplus returned during 1882, 45f per cent. 



1882.] 



INSURANCE COMPANIES. 



19 



DEDHAM MUTUAL FIRE INSURANCE COMPANY, DEDHAM. 

[Incorporated Feb. '22, 1837. Commenced business July 1, 1837.] 

Geo: B, Faunce, President. Elijah Howe, Jr., Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Tar value. 

$6,000 00 
2,000 00 
6,000 00 
6,000 00 
5,000 00 
8,000 00 
2,000 00 
7,000 00 
1,200 00 
2,000 00 



United States bonds, .... 

Chicago city bonds, .... 

Cincinnati city bonds, .... 

New England Mortgage Security bonds, 

Philadelphia and Reading Railroad bonds, 

Marquette and Ontonagon Railroad bonds, 

Old Colony Railroad bonds, 

Union Pacific Railroad bonds, 

12 shares Dedham National Bank, 

20 shares Dedham Water Company, . 



Summary of Assets Dec. 31, 1882. 
Loans on mortgage of real estate (first liens), $15,100 00 
Stocks, bonds, etc., as per schedule, . . 52,060 00 
Cash in the office of the company, . . 1,547 86 
Cash deposited in the Dedham National Bank, 11,099 00 
Premiums in course of collection (net), . 936 06 
Interest due and accrued, .... 1,146 89 
Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks, . $13,325 19 
Return premiums on cancelled policies, . 97 57 

Dividends of profits due on terminated policies, 1,992 08 

Salaries, 375 00 

Gross liabilities, 



Surplus, 



Income. 

Gross cash premiums received during the year, 

Received for interest on mortgages, 

Received for interest from all other sources, . . 
Deposit notes received during the year, . $19,532 12 

Gross cash income, 

Expenditures. 
Paid for losses during the year, . . . . 

for brokerage and commissions, 

for salaries and fees of officers and employees . 



Market value. 

$6,840 00 
2,420 00 
7,800 00 
6,240 00 
6,200 00 
9,440 00 
2,330 00 
7,350 00 
1,440 00 
2,000 00 



i 45,200 00 $52,060 00 



$81,889 81 



15,789 84 
$66,099 97 



59,724 22 
1,148 32 
3,148 50 



$14,021 04 



$1,433 18 
1,422 28 
1,467 49 



20 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



raid for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 



Gross cash expenditures, 



$127 03 

3,270 95 

100 00 

120 87 

$7,941 80 



Miscellaneous. 



Risks outstanding Dec. 31, 1881, 
Risks written during 1882, . 

Total, . 
Risks terminated during 18b2, 



$1,508,608 28 
653,167 66 



$2,161,775 94 
517,151 32 



Net amount in force Dec. 31, 1882, $1,644,624 62 

Deposit notes received on outstanding risks, . . . 53,081 00 

Losses incurred during the year, 1,429 18 

Percentage of profits or surplus returned during 1882, 33 L to 50 percent. 



DORCHESTER MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Feb., 1855. Commenced business July 2, 1856.] 

Edmund J. Baker, President. Wm. F. Temple, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

United States bonds, 
Old Colony Railroad bonds, 
Boston and Lowell Railroad bonds, 
Boston city bonds, 
50 shares Blue Hill National Bank, 



20 " Howard National Bank, 

20 M Continental National Bank, 

12 " Hide and Leather National Bank 

10 " New England National B;ink, 

30 " Columbian National Bank, 

213 " Boston and Albany Railroad, 

140 M Old Colony Railroad, . 

50 " Boston and Maine Railroad, 

1 " Boston and Lowell Railroad, 



$25,000 00 

6,000 00 

5,000 00 

5,000 00 

5,000 00 

2,000 00 

2,000 00 

1,200 00 

1,000 00 

3,000 00 

21,300 00 

14,000 00 

5,000 00 

500 00 



Market value. 

$28,600 00 

7,020 00 

5,800 00 

5,200 00 

5,825 00 

2,400 00 

2,320 00 

1,320 00 

1,310 00 

3,750 00 

37,168 50 

19,040 00 

7,500 00 

515 00 



$96,000 00 $127,768 50 



Summary of Assets Dec. 31, 1882. 
Cash value of unencumbered real estate, . $21,000 00 
Loans on mortgage of real estate (first liens), 21,937 53 
Slocks, bonds, etc., as per schedule, . . 127,768 50 
( "ash deposited in bank, .... 23,498 93 



1882.] 



INSURANCE COMPANIES. 



21 



Premiums in course of collection (net), . $7,608 90 

Interest due and accrued, .... 3,513 42 
Office property, . . . .$1,000 00 

Gross assets, $205,327 28 

Liabilities. 

Losses and claims adjusted, but not due, . $2,236 00 

Claims for losses disputed or resisted, . 3,000 00 

Unearned premiums on outstanding risks, . 78,648 81 

Gross liabilities, 83,884 81 

Surplus $121,442 47 



Income 

Gross cash premiums received during the 
year, 

Deduct return premiums, 

Net cash premiums received, 

Received for interest on mortgages, . 

for interest from all other sources 
for rents, .... 
from all other sources, . 

Deposit notes received during the year, 

Gross cash income, 

Expenditures 

Paid for losses during the year, . 

for brokerage and commissions, . 

for salaries and fees of officers and employes, 

for State and local taxes, 

for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, 
for repairs of real estate, 



Gross cash expenditures, 



Miscellaneous 



Risks outstanding Dec. 31, 1881, 
Risks written during 1882, . 
Total, .... 
Risks terminated during 1882, 



$49,552 07 
1,294 44 



$49,552 07 



$48,257 63 


975 


80 


5,703 


73 


752 


00 


800 00 


$56,489 

• 


16 


$17,027 28 


7,837 


31 


5,030 


32 


878 


49 


19,477 


24 


300 00 


694 92 


21 


53 


$51,267 


09 



£9,852,946 00 
3,381,670 00 



$13,234,616 00 
. 3,328,598 00 



Net amount in force Dec. 31, 1882, $9,906,018 00 

Deposit notes received on outstanding risks, . . . 157,310 38 

Losses incurred during the year, 14,791 28 

Percentage of profits or surplus returned during 1882, 20, 30, and 50 

per cent. 
Average rate to date, 40 per cent. 



22 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



ESSEX MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated 1829. Commenced business 1829.] 

Stephen B. Ives, President. Charles S. Nichols, Secretary 



Detailed Statement of Stocks, Bonds, etc. 

Tar value. 

Toledo city bonds, $2,000 00 

Chicago city bonds, . ... 2,000 00 

Cleveland city bonds, 2,000 00 

Cincinnati city bonds, 2,000 00 

Springfield city bonds, .... 1,000 00 

Newbury port city bonds, .... 1,00000 

Fall River city bonds, 1,000 00 

Portland city bonds, 1,000 00 

Brooklyn city bonds, 1,000 00 

St. Louis city bonds, 1,000 00 

Concord city bonds, 1,000 00 

Louisville city bonds, 1,000 00 

Medford town bonds, 1,000 00 

St. Louis county bonds, .... 1,000 00 

Eastern Railroad bonds, .... 2,000 00 

Northern Pacific Railroad bonds, . . 2,000 00 

Essex Railroad bonds, . . . 1,500 00 

Old Colony Railroad bonds, . . . 2,000 00 

Boston and Lowell Railroad bonds, . . 1,000 00 

Michigan Central Railroad bonds, . . 1,000 00 

Chic, Burl, and Quincy Railroad bonds, . 2,000 00 

20 shares Salem Gas Light Company, . 2,000 00 

16 " Lynn Gas Light Company, . 1,600 00 

15 " Cambridge Railroad, . . . 1,500 00 

14 " Salem National Bank, . . . 1,400 00 

11 " Asiatic National Bank, . . . 330 00 



Market value. 

$2,190 00 
2,300 00 
2,310 00 
2>330 00 
1,240 (0 
1,120 00 
1,230 00 
1,050 00 
1,230 00 
1,150 00 
1,150 00 
1,030 00 
1,100 00 
1,130 00 
2,180 00 
2,010 00 
1,560 00 
2,380 00 
1,110 00 
1,130 00 
2,250 00 
1,820 00 
1,280 00 
1,250 00 
1,680 00 
440 00 



$36,330 00 $39,680 00 

Summary of Assets Dec. 31, 1882. 

Stocks, bonds, etc., as per schedule, . . $39,680 00 

Premiums in course of collection (net), . 65 00 

Interest due and accrued, .... 689 52 

Gross assets, $40,434 52 

Liabilities. 

Unearned premiums on outstanding risks, . $7,454 38 
Dividends of profits due on terminated 

policies, 230 62 

State and local taxes, due or accrued, . . 2 83 

Rents, salaries and incidental expenses, . 444 00 

Gross liabilities, 8,131 83 

Surplus, $32,302 69 



L882.] 



INSURANCE COMPANIES. 



23 



Income. 

Gross cash premiums received during the 

year, 

Deduct return premiums, .... 
Net cash premiums received, 
Received for interest from all sources, 
Deposit notes received during the year, 

Gross cash income, 

Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 

Miscellaneous. 

Risks outstanding Dec. 81, 1881, . 
Risks written during 1882, . 

Total, 

Risks terminated during 1882, 



$3,515 30 




268 13 






$3,247 17 
2,315 37 


, 


10,489 51 





$822,450 00 
194,975 00 



$5,562 54 



£2,290 


81 


6 


10 


896 


90 


38 


12 


3,193 49 


90 


40 



5,515 82 



$1,017,425 00 
228,275 00 



Net amount in force Dec. 31, 1882 $789,150 00 

Deposit notes received on outstanding risks, . . . 44,726 31 

Losses incurred during the year, 1,036 45 

Percentage of profits or surplus returned during 1882, 75 per cent. 
Average rate to date, 60 per cent. 



FALL RIVER MANUFACTURERS' MUTUAL FIRE INSURANCE 
COMPANY, FALL RIVER. 

[Incorporated Feb. 17, 1870. Commenced business May 1, 1870.] 

Stephen Davol, President. Isaac B Chace, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

Old Colony Railroad bonds, . . . $10,000 00 

Fall River city bonds, . 
Worcester city bonds, . 



Lawrence city bonds, 
Boston city bonds, 
Taunton city bonds, 
United States bonds, 
Corporation notes, 



6,000 00 
1,000 00 
5,000 00 
5,000 00 
10,000 00 
30,000 00 



Market value 

$12,350 00 

7,380 00 

1,200 00 

6,000 00 

6,100 00 

11,500 00 

35,300 00 

47,000 00 

$126,830 00 



24 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Summary of Assets Dec. 31, 1882. 



Stocks, bonds, etc., as per schedule, 
( ash in the office of the company, 
( lash deposited in banks, . 
Premiums in course of collection (net), 
Interest due and accrued, 
Office furniture, .... $500 00 
Gross assets, 

Liabilities. 
Claimed and reported losses not adjusted, . 
Unearned premiums on outstanding risks, . 
State and local taxes due or accrued, . 

Gross liabilities, 



$126,830 00 

282 39 

34,544 08 

1,173 57 

1,585 57 



$50,060 00 

67,131 41 

291 38 



$164,415 61 



117,4*2 79 



Surplus, $16,932 82 



Income. 

Gross cash premiums received during the 

year, 

Deduct return premiums, .... 
Net cash premiums received > 
Received for interest from all sources, 
Deposit notes received during the year, 

Gross cash income, .... 



§142,152 48 
7,971 88 



$710,762 40 



$134,180 60 
6,319 83 



. $140,500 43 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and emplo} es, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, .... 



25,287 79 

4,643 30 

1,310 34 

87,944 84 

276 00 

775 81 

$120,238 08 



Miscellaneous. 



Risks outstanding Dec. 31, 1881, 
Risks written during 1882, . 

Total 

Risks terminated during 1882, 



$12,202,860 86 
. 15,345,268 50 



•$27,548,129 36 
. 13,037,519 57 



Net amount in force Dec. 31, 1882, .... $14,5 10,609 79 
Deposit notes received on outstanding risks, . . . 671,314 10 

Losses incurred during the year, 75,347 79 

Percentage of profits or surplus returned during 1882, 79 ffo per cent. 
Average rate to date, 52 1 8 2 per cent. 



1882.] 



INSUKANCE COMPANIES. 



25 



FIXCHBURG MUTUAL FIRE INSURANCE COMPANY, 

FiTcur.riiG. 

[Incorporated March 23, 1847. Commenced business Sept. 1, 1847.] 

L. II. Bkadfokd, President. E. F. Downe, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Agricultural Branch Railroad bonds, . 

8 shares Lancaster National Bank, Clinton, 

Boston city gold bonds, .... 



Par value. 

$6,000 00 

800 00 

15,000 00 



Market value. 

$6,300 00 

1,200 00 

15,000 00 



$21,800 00 $22,500 00 



Securities held as collateral for cash loans : — 



80 shares Wakefield Rattan Company, 
80 " C. N. Nelson Lumber Company, 
140 " Simonds Manufacturing Co., 

5 " Putnam Machine Company, 
10 " Bay State Telephone Company, . 
70 " Lowell and Framingham Rail- 
road, II. A. Pitts & Son Manuf. Co., 
Personal loans, secured, .... 



Market value. 

$12,000 00 

4,000 00 

21,000 00 

6,600 00 

1,275 00 

10,796 00 



Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $15,568 00 
Loans on mortgage of real estate (first 

liens), 75,680 72 

Stocks, bonds, etc., as per schedule, . . 22,500 00 

Loans on collateral security as per schedule, 142,940 25 

Cash in the office of the company, . . 653 79 

Cash deposited in bank, .... 6,597 81 

Premiums in course of collection (net), . 4,011 18 

Interest due and accrued, .... 3,211 03 

Gross assets, . . . . . . ■ 



Loaned thereon. 

$8,000 00 

5,000 00 

12,700 00 

1,450 00 

1,000 00 

8,200 00 

106,590 25 

$142,940 25 



$271,162 78 






Liabilities. 
Losses and claims adjusted but not due, 
Claimed and reported losses not adjusted, 
Unearned premiums on outstanding risks, 
Dividends of profits due on terminated pol 

icies, 

State and local taxes, due or accrued, . 
Rents, salaries, and incidental expenses, 
Gross liabilities, .... 

Surplus, 



$2,050 00 
4,935 00 
120,098 79' 

1,928 85 
210 25 
319 35 



129,542 24 
$141,620 54 



26 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 

Gross cash premiums received during the year, . . . $90,434 36 
Received for interest from all sources, .... 16,178 79 
Deposit notes received during the year, . $90,105 85 

Gross cash income, $106,613 15 

Expenditures. 

Paid for losses during the year, $30,539 61 

for brokerage and commissions, 12,870 42 

for salaries and fees of officers and employes, , . 4,000 00 

for State and local taxes, 827 73 

for profits or surplus on terminated policies, . . 29,412 60 

for rents, 600 00 

for incidental expenses, 2,505 25 

Gross cash expenditures, $80,755 61 

Miscellaneous. 

Risks outstanding, Dec. 31, 1881, . $15,470,767 00 

Risks written during 1882, . . . .6,058,496 00 



Total, 
Risks terminated during 1882, 



$21,529,263 00 
5,316,747 00 



Net amount in force Dec. 31, 1882, .... $16,212,51600 
Deposit notes received on outstanding risks, . . 240,197 57 

Losses incurred during the year, 35,524 61 

Percentage of profits or surplus returned during 1882, 20, 25 and 50 per 
cent. 



FRANKLIN MUTUAL FIRE INSURANCE COMPANY, 

GREENFIELD. 

[Incorporated Feb. 11, 1828. Commenced business Sept. 29, 1829.] 

Rufus Howland, President. Gorham D. Williams, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 

50 shares Greenfield Gas Light Company, . 
17 " Shelburne Falls National Bank, . 



Par value. 

1 10,500 00 
2,500 00 
1,700 00 



Market value. 

f 12,075 00 
2,500 00 
2,380 00 



$14,700 00 $16,955 00 



Summary of Assets Dec. 31, 1882. 

Loans on mortgage of real estate (first 

liens), ....... $100 00 

Stocks, bonds, etc., as per schedule, . . 16,955 00 

Loans on personal security,. . . . 310 76 

Cash in the oilice of the comp my, . . 112 41 



1882.] 



INSURANCE COMPANIES. 



27 



Cash deposited in bank, .... 
Premiums in course of collection (net), 
Interest due and accrued, .... 
Office furniture and safe, . . $500 00 
Gross assets, 

Liabilities. 

Adjusted losses and claims due and unpaid, 
Losses and claims adjusted but not due, 
Owiug for borrowed money, 
Unearned premiums on outstanding risks, 
Dividends of profits due on terminated poll 

cies, 

State and local taxes due or accrued, . 

Rents and salaries, .... 

Gross liabilities, .... 



$3,030 31 

1,587 05 

159 22 



Surplus, 



$250 


00 


100 00 


375 00 


14,165 


12 


349 


18 


6 


39 


341 


51 



Income. 

Gross cash premiums received during the 

year 

Deduct return premiums, .... 
Net cash premiums received, 
Received for interest on mortgages, 
Received for interest from all other sources, 
Deposit notes received during the year, 

Gross cash income, .... 



$8,999 40 
347 91 



$26,998 20 



Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, .... 
for salaries and fees of officers and employes, 

for State and local taxes, 

for profits or surplus on terminated policies, : 

for rents, . 

for incidental expenses, 

Gross cash expenditures, 

Miscellaneous. 
Risks outstanding Dec. 31, 1881, . . . $2,465,459 00 
Risks written during 1882, .... 664,069 00 

Total, 

Risks terminated during 1882, 



$22,554 75 



15,587 20 
$6,967 55 



$8,651 


49 


12 


50 


967 


68 



► ,631 67 



$5,190 50 


870 


70 


964 


99 


88 


23 


3,397 


12 


112 


50 


243 


43 


$10,867 


47 



1,129,528 00 
780,194 00 



Net amount in force Dec. 31, 1882, $2,349,334 00 

Deposit notes received on outstanding risks, . . . 67,482 36 

Losses incurred during the year, 3,312 18 

Percentage of profits or surplus returned during 1882, 20, 25, and 40 per 
cent. 



28 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



GROVELAND MUTUAL FIRE INSURANCE COMPANY, 

GROVELAND. 

[Incorporated March 2S, 1828. Commenced business March 28, 1828.] 

Moses Foster, President. N. H. Griffith, Secretary. 

[Note. — This company charges no cash premium, but relics upon 
assessments upon deposit notes to pay losses and expenses.] 



Summary of Assets Dec. 31, 1682. 



Cash in the office of the company, 
Gross assets, .... 



$59 30 



$59 30 



Liabilities. 



Owing for borrowed money, 
Gross liabilities, 



$1,900 01 



$1,900 00 



Income. 

Received from assessments on deposit notes, 
Received from borrowed money, 
Received from policy fees, .... 
Deposit notes received during the year, 

Gross cash income, .... 



$21,298 75 



$1,849 57 
525 00 
256 50 



$5,631 07 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employes, 
for interest on borrowed money, 
for State and local taxes, .... 
for rents, 



Gross cash expenditures, 



$4,483 78 

938 59 

89 58 

48 42 

25 00 

$5,585 37 



Miscellaneous. 



Risks outstanding Dec. 31, 1881, 
Risks written during 1882, . 

Total, 
Risks terminated during 1882, 



. $1,411,739 00 
371,352 00 



Net amount in force Dec. 31, 1882, 
Deposit notes received on outstanding risks, 
Losses incurred during the year, 
Assessments laid on deposit notes, 



- $1,783,091 00 
844,487 00 

. $1,138,604 00 

82,665 53 

4,483 78 

4,526 18 



1882.] INSURANCE COMPANIES. 29 



HAMPSHIRE MUTUAL FIRE INSURANCE COMPANY, 
NORTHAMPTON. 

(Incorporated March 6, 1830. Commenced business July 1, 1832.] 

GEORGE W. Hubbard, President. Oliver Walker, Secretary 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

63 shares Connecticut River Railroad, . $6,300 00 $10,395 00 

W " Northampton National Bank, . 2,000 00 3,400 00 

22 " Chic, Burl, and Quincy R. R., . 2,200 00 2,706 00 

Kansas Pacific Railroad Consols, . . . 5,000 00 5,025 00 

$15,500 00 $21,526 00 

Summary of Assets Dec. 31, 1882. 
Loans on mortgage of real estate (first liens), $21,368 97 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in the Northampton N'l B'k, 

Interest accrued, 

Office furniture, .... $500 00 
Gross assets, 

Liabilities. 

Claims and reported losses not adjusted, 
Unearned premiums on outstanding risks, . 
Dividends of profits due on terminated 

policies, 

State and local taxes due and accrued, 

Gross liabilities, 

Surplus . $27,065 06 

Income. 
Gross cash premiums received during the year, $8,538 85 
Deduct return premiums, .... 355 96 

Net cash premiums received, . . . 

Received for interest on mortgages, ..... 

Received for interest from all other sources, 

Deposit notes received during the year, . $25,616 55 

Gross cash income, $10,735 63 

Expenditures. 

Paid for losses during the year, $5,939 76 

for brokerage and commissions, 607 05 

for salaries and fees of officers and employes, . . 1,468 00 

for State and local taxes, 79 90 



21,526 00 




151 53 




7,666 03 




520 17 






$51,232 70 




$1,275 00 




22,774 90 




102 50 


■ 


15 24 






24,167 64 





$8,182 89 


941 


13 


1,611 


61 



30 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Paid for profits or surplus on terminated policies, . . $2,598 70 

for rent- 150 00 

for incidental expenses, 267 32 



Gross cash expenditures, $11,110 73 

Miscellaneous. 

Risks outstanding Dec. 31, 1881, . . . $3,359,882 00 
Risks written during 1882, .... 699,375 00 

Total, ...!.. $1,059,257 00 

Risks terminated during 1882, 605,270 00 



Net amount in force Dec. 31, 1882, $3,453,987 00 

Deposit notes received on outstanding risks, . . . 136,177 72 

Losses incurred during the year, 7,21-4 76 

Percentage of profits or surplus returned during 1882, 40 per cent. 
Average rate to date, 40 per cent. 



HINGHAM MUTUAL FIRE INSURANCE COMPANY, 

HINGHAM. 

[Incorporated March 4, 1826. Commenced business Sept. 1, 1826.] 

Amos Bates, President. Henry W. Cusiiing, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $10,000 00 $11,300 00 

Maine State bonds, 11,000 00 12,430 00 

Portland city bonds, 3,000 00 3,600 00 

Plymouth water scrip, 4,000 00 4,000 00 

57 shares Hingham National Bank, . . 3,990 00 4,275 00 

60 " Old Colony Nat'l Bank, Plymouth, 6,000 00 8,400 00 

15 M Abington Nat'l Bank, Abington, 1,500 00 2,100 00 

10 " Globe National Bank, Boston, . 1,000 00 1,070 00 
19 " Hamilton National Bank, Boston, 1,900 00 2,212 00 
29 " Eagle National Bank, Boston, . 2,900 00 3,190 00 
12 " Union National Bank, Boston, . 1,200 00 1,692 00 
34 " Sta'e National Bank, Boston, . 3,400 00 4,233 00 
26 " North America Nat'l Bank, Boston, 2,600 00 2,834 00 

11 " Commerce Nat'l Bank, Boston, . 1,100 00 1,298 00 
45 " Webster National Bank, Boston, . 4,500 00 4,860 00 
50 " Hingham Water Company, . . 5,000 00 5,000 00 
92 " Old Colony Railroad, . . . 9,200 00 12,374 00 
76 " Boston and Albany Railroad, . 7,600 00 13,186 00 
Boston and Albany Railroad bonds, . . 5,000 00 6,175 00 
Boston and Lowell Railroad bonds, . . 10,000 00 11,750 00 
Boston and Maine Railroad bonds, . . 10,000 00 12,375 00 



B2.] 



INSURANCE COMPANIES. 



31 



Eastern Railroad bonds, 

Union Pacific Railroad bonds, 

Chic, Hurl, and Quincy Railroad bonds, 



$.%noo 00 

•0 00 

5,00d 00 



|5,475 00 

5,662 50 
6,300 00 



$119,890 00 $145,821 50 



Summary of Assets Dec. 31, 1882. 



( a^h value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Loan to town of Hull, .... 
( 'ash in the office of the company, 

sb deposited in various bank-;, 
Premium- in course of collection (net), 
Interest due and accrued, 

Gross asset-, 



$9,500 00 

141,000 00 

1 15321 50 

3,500 00 

691 84 

25,838 04 

170 43 

8,948 20 

$335,465 01 



Liabilities. 

Adjusted losses and claims, due and unpaid, 
Claimed and reported losses, not adjusted, 
Unearned premiums on outstanding risks, 
State and local taxes, due or accrued, . 
Salaries, . .... 

Gross liabilities, .... 



Surplus, 



So 84 

422 42 

183,870 45 

82 95 

122 00 



184,509 66 
150,955 85 



Income. 

Gross cash premiums received during the year, 

Received for interest on mortgages, . 

for interest from all other sources, 

for rents, 

from all other sources, . 

Deposit notes received during the year, . $60,590 05 

Gross cash income, 



$18,710 88 

7,465 59 

7,965 14 

423 00 

50 00 



$64,614 61 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 



§14,338 04 

6,802 72 

3,499 90 

581 94 

33,506 87 

614 79 

$59,344 26 



32 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Miscellaneous. 
Risks outstanding Dec. 31, 1881, . . $21,203,536 00 

Risks written during 1882, .... 3,191,270 00 



Total 

Risks terminated during 1882, 



•$24,454,806 00 
. 2,922,809 00 



Net amount in force Dec. 31, 1882, .... $21,531,99700 
Deposit notes received on outstanding risks, . . . 694,367 00 

Losses incurred during the year, 14,766 30 

Percentage of profits or surplus Teturned during 1882, 65 per cent. 
Average rate to date, 75 per cent. 



HOLYOKE MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated March 14, 1843. Commenced business May 23, 1843.] 

Alfred A. Abbott, President. Thomas H. Johnson, Secretary. 

Guaranty Capital $100,000. 



Detailed Statement of Stocks, Bonds, etc 



United States bonds, 

Massachusetts state bonds, . 

New Hampshire state bonds, 

Marion County (Ind.) bonds, 

Boston (Mass.) city bonds, > 

Columbus (O.) city bonds, . 

Cincinnati (O.) city bonds, . 

Cleveland (O.) city bonds, . 

Chicago (111.) city bonds, 

Chelsea (Mass.) city bonds, . 

Cambridge (Mass.) city bonds, 

Hartford (Conn.) city bonds, 

Jeffersonville (Ind ) city bonds, 

Jacksonville (111.) city bonds, 

Lawrence (Mass.) city bonds, 

Lynn (Mass ) city bonds, 

Lowell (Mass.) city bonds, . 

Milwaukee (Wis.) city bonds, 

Minneapolis (Minn.) city bonds, 

Portland (Me.) city bonds, . 

St. Louis (Mo.) city bonds, . 

Salem (Mass.) city bonds, . 

Delaware & Hudson Canal Company bonds 

Baltimore and Ohio Railroad bonds, 

( liesapeake and Ohio Railroad bonds, 

Chicago, Burl., and Quincy \\. R. bonds, 

Chicago and Alton Railroad bonds, 

Chicago and Eastern Illinois Railroad bonds, 



Par value. 

$40,000 00 

4,000 00 

4,000 00 

5,000 00 

5,000 00 

4,000 00 

5,000 00 

5,000 00 

5,000 00 

17,000 00 

10,000 00 

10,000 00 

7,000 00 

5,000 00 

5,000 00 

5,000 00 

4,000 00 

7,500 00 

5,000 00 

5,000 00 

10,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

1G,500 00 

5,000 00 

5,000 00 



Market value. 

$18,150 00 

4,480 00 

4,840 00 

5,500 00 

5,200 00 

4,000 00 

6,300 00 

5,700 00 

5,820 00 

19,380 00 

10,200 00 

11,300 00 

8,190 00 

5,300 00 

5,850 00 

5,100 00 

4,560 00 

7,950 00 

5,800 00 

5,300 00 

10,550 00 

11,400 00 

6,200 00 

11,200 00 

10,500 00 

20,790 00 

5,675 00 

4,825 00 



188i>.] 



INSURANCE COMPANIES. 



33 



Centra] Pacific Railroad land grant bonds, . 

Central Pacific Railroad first mortgage 

bonds, ....... 

Central New Jersey Railroad bonds, . 

Denver, So. Pk. and Pacific R. R. bonds, 
Eastern Railroad bonds, .... 

Jackson, Lan., and Saginaw Railroad bonds, 

Lehigh Valley Kail road bonds, . 

Scioto Valley Railroad bonds, 

Terre Haute and South Eastern R.R. bonds, 

Union Pacific Railroad bonds, 

Vt. Cent, and Vt. and Can. R. R. bonds, 

31 shares Old Colony Railroad, . 

50 " Portland, Portsmouth, and Saco 

Railroad, 

100 u Pittsburg, Fort Wayne and Chi- 
cago Railroad, .... 

40 " National Exchange Bank, Salem, 
10 " First National Rank, Salem, 

85 " Mercantile National Bank, Salem 

41 M Naumkeag National Bank, Salem 
140 " Salem National Bank, Salem, . 

30 " Atlantic National Bank, Boston, 

50 " Natl Bank of Republic, Boston, 

15 " Blackstone Nat'l Bank, Boston, . 

50 " Freeman's Nat'l Bank, Boston, . 

30 " Globe Nat'l Bank, Boston, . 

100 u Merchants 1 Nat'l Bank, Boston, . 

30 " National Revere Bank, Boston, . 

100 " Second National Bank, Boston, . 

40 " Shoe and Leather Nat'l Bank, 

Boston, 

10 " Beverly National Bank, Beverly, 

20 " So. Dan vers Nat'l Bank, Peabody, 



$10,000 00 $10,437 50 



7,000 00 
6,000 00 
7,000 00 

21,000 00 
3,000 00 
5,000 00 
6,000 00 
5,000 00 

15,000 00 
2,000 00 
3,100 00 

5,000 00 

10,000 00 
4,000 00 
1,000 00 
3,500 00 
4,100 00 

14,000 00 
3,000 00 
5.000 00 
1,500 00 
5,000 00 
3,000 00 

10,000 00 
3,000 00 

10,000 00 

4,000 00 
1,000 00 
2,000 00 



8,172 50 

6,537 50 

6,790 00 

22,995 00 

3,397 50 

6,000 00 

6,120 00 

5,000 00 

17,493 75 

1,000 00 

4,154 00 

5,662 50 

13,450 00 

4,720 00 

1,180 00 

4,130 00 

6,460 00 

16,520 00 

4,470 00 

6.262 50 

1,605 00 

5,825 00 

3,195 00 

13,600 00 

3,390 CO 

15,350 00 

4,220 00 
1,260 00 
3,000 00 



1408,200 00 $472,457 75 



Summary of Assets Dec. 31, 1882. 



Cash value of unencumbered real estate, . 

Loans on mortgage of real estate (first 

liens), ...... 

Stocks, bonds, etc., as per schedule, . 
Loans on personal security, . 
Cash in the office of the company, 
Cash deposited in the Salem National Bank 
Premiums in course of collection (net), 
Interest due and accrued, 

Rents due, 

Gross assets, 



$40,000 00 

27,900 00 

472,457 75 

10,120 01 

2,473 69 

9,424 56 

1,035 16 

4,468 67 

45 84 



$567,925 68 



34 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Liabilities. 
Unearned premiums on outstanding risks, . $136,990 53 
Return premiums on cancelled policies, . 88 28 
Dividends of profits due on terminated poli- 
cies, ........ 730 07 

Gross liabilities, 

Surplus, 

Income. 

Gross cash premiums received during the 

year, . $86,132 24 

Deduct return premiums, .... 1,799 26 

Net cash premiums received, . . . 

Received for interest on mortgages, 

for interest from all other sources, 

for rents, ........ 

Deposit notes received during the year, . $85,504 55 



$137,808 88 
$130,116 80 



581,332 98 
1,030 69 

25,375 47 
2,748 67 



Gross cash income, 



$113,487 81 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employes, 
for interest on borrowed money, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for incidentals, 

for dividends on guaranty capital, 



Gross cash expenditures, 



Miscellaneous. 



Risks outstanding Dec. 31, 1881, 
Risks written during 1882, . 

Total, 
Risks terminated during 18&2, 



$19,679,221 32 
6,883,622 97 



§47,896 75 

12,853 80 

9,036 68 

107 08 

1,080 52 

30,047 69 

2,002 38 

7,000 00 



$110,021 90 



$26,562,844 29 
6,550,592 36 



Net amount in force Dec. 31, 1882, .... $20,012,25193 

Deposit notes received on outstanding risks, . . 274,409 21 

Losses incurred during the year, ..... 47,896 75 
Whole amount of net profits reserved for the security 

of the insured, 82,529 20 

Rate of interest actually realized upon the investments of guaranty cap- 
ital, 5.36 per cent. 



1882.] 



INSURANCE COMPANIES. 



35 



LOWELL MUTUAL FIRE INSURANCE COMPANY, LOWELL. 

[Incorporated March 6, 1832. Commenced business April, 1832.] 

James C. Abbott, President. Charles W. Drew, Secretary. 



Detailed Statement of Stocks, 



Boston, Concord and Montreal R. R. bonds 
Lowell and Lawrence Railroad bonds, 
Boston and Lowell Railroad bonds, 
Lyon County (Kan.) bond, . 
Edwardsville town bond, 
50 shares Franklin Company, 
6 

29 ' 

9 i 

9 ' 

5 ' 

30 ' 
5 ' 



Vermont and Massachusetts R R 
Vermont and Canada Railroad, 
Merrimack Manufg Company, 
Lowell Manufacturing Company, 
Appleton Company, 
Hill Manufacturing Company, 
Massachusetts Cotton Mill, . 



Bonds, etc. 

Par value. 

$6,000 00 

4,000 00 
6,000 00 
1,000 00 
1,000 00 
5,000 00 
600 00 
2,900 00 
2,000 00 
6,210 00 
5,000 00 
3,000 00 
5,000 00 



Market value. 

$6,352 50 

4,440 00 

6,855 00 

1,000 00 

1,000 00 

5,737 50 

786 00 

522 00 

2,400 00 

6,255 00 

6,000 00 

2,970 00 

6,625 00 



847,710 00 $50,943 00 



Summary of Assets Dec. 31, 1882. 
Loans on mortgage of real estate (first liens), $11,950 00 



Stocks, bonds, etc., as per schedule, 
Cash deposited in bank, 
Premiums in course of collection (net), 
Interest due and accrued, .... 
Office furniture, .... $145 00 
Gross assets, 

Liabilities. 
Unearned premiums on outstanding risks, . 
Gross liabilities, 



50,943 00 
4,748 65 
1,654 91 
1,024 68 



$13,865 80 



$70,321 24 



13,865 80 



Surplus, $56,455 44 



Income. 

Gross cash premiums received during the 
year, 

Deduct return premiums, 

Net cash premiums received, 

Received for interest on mortg-ao-es, . 

for interest from all other sources, 
for rents, .... 
from all other sources, . 

Deposit notes received during the year, 

Gross cash income, 



1,611 88 
203 17 



»8,408 71 

861 90 

2,463 83 

150 00 

1,000 00 



$18,202 46 



$12,884 44 



36 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, .... 

Miscellaneous. 
Risks outstanding Dec. 31, 1881, . . . $2,064,055 00 



$72 93 


123 


47 


2,680 


32 


84 


94 


3,419 


63 


225 


00 


478 


33 



$7,084 62 



Risks written during 1882, . 
Total, .... 
Risks terminated during 1882, 



847,020 00 



$2,911,075 00 
690,490 00 



Net amount in force Dec. 31, 1882, $2,220,585 00 

Deposit notes received on outstanding risks, . . . 55,463 22 

Losses incurred during the year, 72 93 

Percentage of profits or surplus returned during 1882, 40 and 50 per 
cent. 



LYNN MUTUAL FIRE INSURANCE COMPANY, LYNN. 

[Incorporated Feb. 20, 1828. Commenced business Aug. 1, 1828.] 

Thomas B. Newhall, President. Wm. F. Johnson, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value 

52 shares First National Bank, Lynn, . . $5,200 00 $6,500 00 

20 " National City Bank, Lynn, . . 2,000 00 3,300 00 

5 " Central National Bank, Lynn, . 500 00 700 00 

10 " Merchants' National Bank, Boston 1,000 00 1,390 00 

Somerville city bond, 5,000 00 5,250 00 

Chicago city bond, 3,000 00 3,380 00 

Cedar Rapids and Mo. Riv. Railroad bond, . 2,000 00 2,200 00 

Cambridge city bonds, 2,000 00 2,040 00 

United States bonds, 2,000 00 2,380 00 

Revere Beach Railroad bonds, . . . 2,000 00 2,280 00 

St. Louis city bonds, 2,000 00 2,080 00 

[nd'polis, Decatur and SpringPd R. R. bond 1,000 00 1,000 00 

Ohio and West Virginia Railroad bond . 1,000 00 1,100 00 

Burlington city bond, 500 00 500 00 

Chicago, Milwaukee, and St. Paul R.R. bond 1,000 00 1,100 00 

South Pacific Railroad bond, ... 500 00 515 00 

Atchison, Topeka, and Santa Fe 11. R. bond 1,000 00 1,200 00 

Atlantic and Pacific Railroad bond, . . 3,000 00 2,820 00 

Sonora Railroad Company bond, . 2,000 00 2,080 00 



1882.] 



INSURANCE COMPANIES. 



37 



Mexican Central Railroad bond, . . $1,000 00 

Oregon Short Line Railroad bond, . . 1,000 00 

12 shares Atchison, Top. and S. F. R.R., . 1,200 00 

Personal loans, - 



Summary of Assets Dec. 31, 1882. 

Loans on mortgage of real estate (first liens), $9,100 00 

Stocks, bonds, etc., as per schedule, . . 45,617 00 

Cash in the office of the company, . . 16-4 30 

Cash deposited in National City Bank, . 1,896 05 

Cash deposited in savings banks, . . 2,408 46 

Interest accrued, 1,147 07 

Office furniture and safe, . . $400 00 

Gross assets, 



$740 00 

980 00 

1,032 00 

1,050 00 

$45,617 00 



$60,332 88 



Liabilities. 

Unearned premiums on outstanding risks, . 
Dividends of profits due on terminated poli- 
cies, 

Gross liabilities, 



$22,481 30 
73 80 



22,555 10 



Surplus, $37,777 78 



Income. 

Gross cash premiums received during the 

. year, 

Deduct return premiums, .... 
Net cash premiums received, 
Received for interest on morto;a£cs, , 

for interest from all other sources, 
from policy fees, .... 
Deposit notes received during the year, 

Gross cash income, .... 



$4,088 39 




222 27 






$3,866 12 
369 00 


. 


. . . 


2,441 00 


• • • 


89 00 


$16,345 56 





1,765 12 



Expenditures. 

Paid for losses during the year, . 

for salaries and fees of officers and employes, 

for State taxes, 

for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, .... 



$88 68 


1,300 00 


37 82 


2,670 59 


200 00 


133 50 



$4,430 59 



38 



MASSACHUSETTS MUTUAL FIRE [Deo. 31, 



Miscellaneous 

Risks outstanding Dec. 81, 1881, 
llisks written during 1882, . 
Total, 

Risks terminated during 1882, 



$1,472,809 00 
21)9,982 00 



,772,791 00 
310,650 00 



Net amount in force Dec 31, 1882 $1,462,14100 

Deposit notes received on outstanding risks, . . . 80,822 37 

Losses incurred during the year, 88 68 

Percentage of profits or surplus returned during 1882, 60 per cent. 
Average rate to date, 75 per cent. 



MASSACHUSETTS MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Dec. 21, 1872. Commenced business Jan. 1, 1873] 

Guarantee Capital $200,000. 

Charles B. Cumings, President. John M. Corbett, Secretary. 

Office, 28 State Street. 



Detailed Statement of Stocks, 

150 shares Treraont National Bank, 

80 " 

100 ' 

70 " 

160 •' 

100 « 

25 " 
100 " 

50 " 



1 Hamilton National Bank, . 
4 Merchants' National Bank, 
1 National Union Bank, 
' New England National Bank, 
' Columbian National Bank, 
' Globe National Bank, 
' National Webster Bank, 
1 Boston and Maine Railroad, 
Eastern Railroad bonds, 
Nashua and Rochester Railroad bonds, 
Michigan Central Railroad bonds, 
Burlington and Mo. River Railroad bonds, 
Chic, Clin., Dub. and Minn. Railroad bonds, 
Boston and Lowell Railroad bonds, 



Bonds, etc. 

Par value. 

$15,000 00 

8,000 00 
10,000 00 

7,000 00 
16,000 00 
10,000 00 

2,500 00 
10,000 00 

5,000 00 
16,000 00 
10,000 00 
10,000 00 
17,800 00 
10,000 00 
10,000 00 



Market value. 

$17,175 00 

9,500 00 

13,700 00 

9,800 00 

20,760 00 

12,825 00 

2,662 50 

10,975 00 

L 7,475 00 

17,520 00 

10,000 00 

10,700 00 

18,916 00 

10,575 00 

10,487 50 



$157,300 00 $183,071 00 



Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $22,100 00 

Loans on mortgage of real estate (first liens), 93,000 00 

Stocks, bonds, etc., as per schedule, . . 183,071 00 
Gash deposited in the New England Trust 

Company, 6,329 67 

Premiums in course of collection (net), . 2,233 30 

Interest due and accrued, .... 3,852 59 

Gross assets, 



$310,586 56 



1882.] 



INSURANCE COMPANIES. 



39 



Liabilities. 

Unearned premiums on outstanding risks, . 
Return premiums on cancelled policies, 
Dividends of profits due on terminated 

policies, 

Re-insurance premiums due, 

Gross liabilities, 



Surplus, 



$49,630 71 




27 77 




1,611 66 




11 25 






$51,281 39 






$259,305 17 



Income. 

Gross cash premiums received during the 

year, 

Deduct return premiums,* .... 
Net cash premiums received, 
Received for interest on mortgages, 
Received for interest from all other sources, 
Received for rents, 



$18,967 68 
82 50 



Gross cash income, 

Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, .... 
for salaries and fees of officers and employes, . 

for State and local taxes, 

for rents, 

for dividends on guarantee capital, 

for incidental expenses, 

for profits or surplus on terminated 

policies, $3,871 12 

Cash premiums on cancelled policies returned, 818 71 



$18,885 18 
5,321 11 
9,317 60 
2,004 99 

$35,528 88 



$3,736 41 
1,741 38 
9,917 50 
2,106 99 
2,187 50 

14,000 00 
1,436 66 



$35,126 44 



4,689 83 



Gross cash expenditures, 

Miscellaneous. 

Risks outstanding Dec. 31, 1881, . . $16,166,146 00 
Risks written during 1882, .... 2,967,655 00 



§39,816 27 



Total, .... 
Risks terminated during 1882, 



-$19,133,801 00 
. 2,423,506 00 



Net amount in force Dec. 31, 1882, .... $16,710,29500 

Losses incurred during the year, 3,736 41 

Percentage of profits or surplus returned during 1882, 25 per cent. 

Average rate to date, 1\ per cent. 

Whole amount of net profits reserved for the security of the insured 

$14,188.84. 
Rate of interest realized on investments of guarantee capital - r ^% per 

cent. 

* On cancelled policies written during the year. 



40 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



MERCHANTS' AND FARMERS 1 MUTUAL FIRE INSURANCE 

COMPANY, WORCESTER. 

[Incorporated April 1, 1846. Commenced business Jan. 1, 1847.] 

Isaac Davis, President. E. B. Stoddard, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 

. Par value. 

Worcester and Nashua Railroad bonds, . $20,000 00 

Providence and Worcester Railroad bonds, 25,000 00 

Lawrence city bonds, 20,000 00 

20 shares Central National Bank, . . 2,000 00 

25 " Wachusett National Bank, . . 2,500 00 

20 " Westminster National Bank, . 2,000 00 

13 " Mechanics' National Bank, . . 1,300 00 

6 " Quinsigamond National Bank, . 600 00 



Market value. 

$20,000 00 

29,000 00 

20,000 00 

2,700 00 

4,375 00 

2,000 00 

1,495 00 

690 00 



$73,400 00 $80,260 00 
Securities held as collateral for cash loans : — 

Loaned thereon. 

10 shares Worcester and Nashua Railroad, . . ^ 

5 shares Worcester Safe Deposit and Trust Company, )■ $4,500 00 

Personal loans, J 

Loan to Providence and Worcester Railroad, . . . 25,000 00 



Summary of Assets Dec 

( 'ash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
Deposited in various banks, 
Premiums in course of collection (net), 

Interest accrued, 

Bills receivable, 

Gross assets, 



31, 1882. 

$50,000 00 

2,000 00 

80,260 00 

29,500 00 

258 03 

62,894 38 

5,164 31 

1,000 00 

332 23 



$29,500 00 



$231,408 95 



Liabilities. 

Unearned premiums on outstanding risks, . $102,367 60 

Dividends of profits due on terminated policies, 2,000 00 

Gross liabilities, 

"Surplus, . 

Income. 

Gross cash premiums received during the year, 057,184 71 

Deduct return premiums, 1,145 32 

Net cash premiums received, .... 



104,367 60 



$127,041 35 



$56,039 39 



1882.] 



INSURANCE COMPANIES. 



41 



Received for interest on mortgages, . 

for interest from all other sources, 
for rents, 

Deposit notes received during the year, 

Gross cash income, .... 



$175 66 
0,794 45 
2,621 32 



$56,925 77 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, .... 

Miscellaneous. 
Risks outstanding Dec. 31, 1881, . . . $13,975,720 00 
Risks written during 1882, .... 4,337,074 00 



$65,630 82 



$19,813 25 
7,674 96 
6,423 25 
1,201 71 
21,262 46 
1,500 00 
2,774 00 

$60,649 63 



Total, . 
Risks terminated during 1882, 



$18,312,794 00 
. 3,915,500 00 



Net amount in force Dec. 31, 1882 $14,397,294 00 

Deposit notes received on outstanding risks, . . . 204,735 00 

Losses incurred during the year, 19,813 25 

Percentage of profits or surplus returned during 1882, 20, 30, and 50 
per cent. 



MERRIMACK MUTUAL FIRE INSURANCE COMPANY, 

ANDOVER. 

[Incorporated Feb. 7, 1828. Commenced business April 1, 1823.] 

William S. Jenkins, President. Joseph A. Smart, Secretary. 



Detailed Statement of 



United States bonds, 6s, 
Maine State bonds, 
Cleveland city bonds, . 
Albany city bonds, 
Chicago city water bonds, 
St. Louis city bonds, 
Cincinnati city bonds, . 
Charlestown city bonds, 
Norwich city bonds, 
Fall River city bonds, . 
Lynn city bonds, . 
Northampton town bonds, 



Stocks, Bonds, etc. 

Par value. 

$27,000 00 

6,000 00 

4,000 00 

10,000 00 

12,000 00 

6,000 00 

9,000 00 

5,000 00 

5,000 00 

10,000 00 

5,000 00 

5,000 00 



Market value. 

$35,610 00 

6,780 00 

4,140 00 

11,250 00 

14,080 00 

6,390 00 

10,660 00 

■ 5,750 00 

6,150 00 

11,500 00 

5,800 00 

5,700 0Q 



42 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Boston and Maine Railroad bonds, 
Boston and Providence Railroad bonds, 
Boston and Lowell Railroad bonds, 
Old (olonv Railroad bonds, . 
Chic., Burl, and Quincy Railroad bonds, 
Atch., Topeka and Santa Fe R. R. bonds, . 
Chicago and Northwestern Railroad bonds, 
Pullman Palace Car Company bonds, . 



Par value. 

$10,000 oo 

5,000 00 
5,000 00 

10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 



Market value. 

$12,400 00 

6,150 00 

5,987 50 

11,500 00 

10,200 00 

8,000 00 

9,800 00 

10,600 00 



$174,000 00 $198,447 50 



Summary of Assets Dec. 31, 1882. 

Loans on mortgage of real estate (first liens), $5,000 00 

Stocks, bonds, etc., as per schedule, . . 198,447 50 

( 'ash in the office of the company, . . 836 33 

Cash deposited in bank, .... 15,017 04 

Premiums in course of collection (net), . 2,473 88 

Interest due and accrued, .... 4,153 56 

Gross assets, 



$225,928 31 



Liabilities. 
Losses and claims adjusted, but not due, 
Unearned premiums on outstanding risks, 
Gross liabilities, .... 



$2,482 00 
113,693 16 



116,175 16 



Surplus, $109,753 15 



Income. 

Gross cash premiums received during the 

year, 

Deduct return premiums, .... 
Net cash premiums received, 
Received for interest on mortgages, 
Received for interest from all other sources, 
Deposit notes received during the year, 

Gross cash income, .... 



2,616 03 
2,097 41 



$126,652 38 



$60,518 62 

195 00 

10,952 00 



$71,665 62 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 



$19,453 51 

9,210 57 

4,205 00 

576 83 

23,902 18 

1,363 04 

$58,711 13 



1882.] 



INSURANCE COMPANIES. 



43 



Miscellaneous. 

Risks outstanding Dec. 31, 1881, . . $15,726,825 00 
Risks written during 1882, .... 4,844,258 00 



Total, . 
Risks terminated during 1882, 



-$20,571,083 00 
. 4,243,594 00 



Net amount in force Dec 31, 1882, .... $16,327,48900 
Deposit notes received on outstanding risks, . . . 388,047 80 

Losses incurred during the year, 21,935 51 

Percentage of profits or surplus returned during 1882, 45 per cent. 
Average rate to date, 45 per cent. 



MIDDLESEX MUTUAL FIRE INSURANCE COMPANY, 

CONCORD. 

[Incorporated March 3, 1826. Commenced business, March 29, 1826.] 

George Heywood, President. Richard Barrett, Secretary. 



Detailed Statement of Stocks, 

50 shares Blackstone Natl Bank, Boston, 
15 
40 
25 
53 
54 
30 
113 
20 
44 

10 ' 
36 ' 
18 
33 



Merchants 1 Natl Bank, Boston, 
Webster Nat'l Bank, Boston, 
Eliot National Bank, Boston, 
Boston National Bank, Boston, 
Howard Natl Bank, Boston, 
Revere National Bank, Boston, 
Shawmut Nat'l Bank, Boston, 
Faneuil Hall Natl Bank, Boston, 
North America Nat 1 ! B% Boston, 
Central Natl Bank, Boston, 
Traders 1 Natl Bank, Boston, 
State National Bank, Boston, 
Concord Natl Bank, Concord, 

Central National Bank loan, 
40 shares Boston & Albany Railroad, 
28 " Fitchburg Railroad, . 
50 " Phila., Wilmington & Bait. R.R 

Boston & Albany Railroad bonds, 

Eastern Railroad bonds, 

Burlington & Missouri Railroad bonds, 

Connotton Valley Railroad bonds, 

Bath city bonds, 

United States bonds, .... 

Concord water loan, .... 

Personal loans, 



Bonds, etc. 

Far value. 

$5,000 00 
1,500 00 
4,000 00 
2,500 00 
5,300 00 
5 ; 400 00 
3,000 00 

11,300 00 
2,000 00 
4,400 00 
1,000 00 
3,600 00 
1,800 00 
3,300 00 
1,000 00 
4,000 00 
2,800 00 
2,500 00 

40,000 00 
6,000 00 
4,000 00 
8,000 00 
3,000 00 

13,000 00 



Market value. 

$5,350 00 

2,041 87 

4 320 00 

2.975 00 

6,807 00 

6,493 50 

3,420 00 

12,430 00 

2,600 00 

4,796 00 

672 50 

3,060 00 

2,241 00 

4,950 00 

1,000 00 

6,940 00 

3,507 00 

3,100 00 

49,400 00 

6,570 00 

3,-820 00 

2300 00 

3,13 1 25 

15,535 00 

22,500 00 

14,800 00 

$194,260 12 



44 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Summary of Assets Dec. 31, 1882. 

Cash value of unincumbered real estate, . s37.f>'iO 00 

Loans on mortgage of real estate (first liens), 117,400 00 

Stocks, bonds, etc., as per schedule, . . 194,200 12 

Cash in the office of the company, . . 6,600 92 

Cash deposited in the Concord Nat'l B'k, . 19,519 47 

Premiums in course of collection (net), . 7,373 58 

Interest due and accrued, 7,005 00 

Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks, . $142,771 81 
Dividend of profits due on terminated 

policies, 196 10 

State or local taxes due or accrued, . . 168 89 

Gross liabilities, 



Surplus, 



Income 



Gross cash premiums received during the year, 

Received for interest on mortgages, 

for interest from all other sources, 

for rents, 

from policy fees, 

Deposit notes received during the year, . §66,402 81 



Gross cash income, 



Expenditures. 



Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 



$389,659 09 



143,136 80 
$246,522 29 



$66,943 30 

7,131 58 

9,893 53 

545 83 

109 00 



$84,623 24 



$16,377 50 
9,523 94 
6,817 60 
1,002 17 
35,988 94 
1,738 28 

$71,448 43 



Miscellaneous. 



Risks outstanding Dec. 31, 1881, 
Risks written during 1882, . 

Total, 
Risks terminated during 1882, 



$19,275,916 
4,646,518 



$23 922,434 00 
. 4,228,819 00 



Net amount in force Dec. 81, 1882, .... $19693,615 00 
Deposit notes received on outstanding risks, . . . 285,548 62 

Losses incurred daring the year, 16,377 50 

Percentage of profits or surplus returned during 1882, 50 and 60 per 
cent. 



1S82.] 



INSURANCE COMPANIES. 



45 



MILFORD MUTUAL FIRE INSURANCE COMPANY, MILFORI). 

[Incorporated April 30, 1851. Commenced business Jan. 1, 18;V2 1 

Geo. L. Cook, President. George G. Parker, Secretary. 



Detailed Statement of Stocks, etc. 



10 shares Mil ford National P>ank, 
9 " Hide and Leather National Bank, 
Personal loans 



Par value. 

$1,000 00 
9U0 00 



Summary of Assets Dec. 31, 1 

Stocks, etc., as per schedule, 
Cash in the office of the company, 
Premiums in course of collection (net), 

Interest due, 

Office furniture, .... $100 00 
Gross assets, 



$5,858 00 

1,388 37 

328 60 

90 00 



Market value. 

$1,350 00 

1,008 00 

3,500 00 

$5,858 00 



',064 97 



Liabilities. 

Unearned premiums on outstanding; risks, . 
Dividends of profits due on terminated 

policies 

Advertising;, 

Gross liabilities, 

Surplus, ... , 



$3,703 13 

15 00 
42 75 



3,761 18 
$3,903 79 



Income. 

Gross cash premiums received during the year, 
Deduct return premiums, .... 
Net cash premiums received, 
Received for interest from all sources, 
Deposit notes received during the year, 

Gross cash income, .... 



51,529 86 




23 86 






$1,506 00 




. 


300 00 


11,589 58 





$1,806 00 



Expenditures. 

Paid for brokerage and commissions, . 

for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 



$52 08 
262 16 

13 08 
247 39 

37 45 



$612 16 



46 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Miscellaneous. 

Risks outstanding Dec. 31, 1881, . . . $743,069 00 
Risks written during 1882, .... 138,225 00 

Total, $881,294 00 

Risks terminated during 1882, 101,955 00 



Net amount in force Dec. 31, 1882, $779,339 00 

Deposit notes received on outstanding risks, . . . 22,220 61 
Percentage of profits or surplus returned during 1882, 25 per cent. 
Average rate to date, 25 per cent. 



MILL OWNERS MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated June 13, 1873. Commenced business Aug. 1, 1873.] 

Wh. H. Kent, President. Frederic S. Cabot, Secretary. 

Office, 131 Devonshire Street. 

Detailed Statement of Stocks, Bonds, etc. 

Tar value. Market value. 

Boston city bonds . . . . . §35,000 00 $36,400 00 

Ottawa and Burlington R. R. bonds, . . 5,000 00 5,550 00 

Chicago, Burl, and Quincy R. R. bonds, . 17,000 00 14,450 00 



$57,000 00 $56,400 00 

Summary of Assets Dec. 31, 1882. 

Bonds, as per schedule, .... $56,400 00 

Corporation notes, 40,000 00 

Cash in the office of the company, . . 1 05 

Deposited in bank, 25,890 95 

Premiums in\?ourse of collection (net), . 1,196 16 

Interest accrued, 1,409 88 

Office furniture $400 00 

Gross assets, $124,898 04 

Liabilities. 

Adjusted losses and claims, due and unpaid, $39,657 61 

Unearned premiums on outstanding risks, . 70,830 64 

State and local taxes, accrued, . . . 292 50 

Gross liabilities, 110,780 75 



Surplus, $14,117 29 

Income. 

Gross cash premiums received during the 

year $144,710 12 

Deduct return premiums, .... 5,757 55 

Net cash premiums received, . . . $138,952 57 

Received lor interest from all sources, .... 4,364 20 

Deposit notes received during the year, . $723,550 60 

Gross cash income, $143,316 77 



1882.] 



[NSURANCE COMPANIES. 



47 



Expenditures. 

Paul for losses during the year, .... 
for salaries and fees of officers and employes, 

for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, .... 

Miscellaneous. 



$25,227 2G 
9,200 00 
1,348 62 
86,476 67 
1,33-4 00 
2,098 11 



".,684 66 



Risks outstanding Dec. 31, 1881, 
written during 1882, 

Total 

Risks terminated during 18 s 2. 



12.045,017 00 
15,612,540 00 



.257,557 00 
13,378,417 00 



Net amount in force Dec. 31, 1882, .... 1,879,140 00 

Deposit notes received on outstanding risks, . . . 698,181 00 

Losses incurred during the year, 64,884 87 

Percentage of profits or surplus returned during 1882,71^ per cent. 
Average rate to date, 64^ per cent. 



MUTUAL FIRE ASSURANCE COMPANY, SPRINGFIELD. 

[Incorporated Feb. 23, 1827. Commenced business July 28, 1827.] 

Warner C. Sturtevant, President. Frank R. Young, Secretary. 
Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

Boston and Albany Railroad bonds, . . $7,000 00 8,610 00 

Union Pacific Railroad bonds, . . . 5,000 00 5,615 00 

St. Johnsbury and Lake Champ. R.R. bonds, 5,000 00 5,500 00 

Vermont Valley Railroad bonds, . . . 4,000 00 4,200 00 

75 shares Second Natl Bank, Springfield, 7,500 00 12,375 00 

61 " Chicopee Natl Bank, Springfield, 6,100 00 10,065 00 

25 " J Hancock Natl Bank, Springfd, 2,500 00 3,250 00 

25 '• First National Bank, Springfield, 2.500 00 4,000 00 

25 " Chapin National Bank, Springfd, 2,500 00 3,125 00 

10 " Monson National Bank, Monson, 1,000 00 1,500 00 

10 " First National Bank, Chicopee, . 1,000 00 1,500 00 

50 " Hadley Falls Nat'l Bank, Holyoke 5,000 00 8,250 00 

50 " Nafl Bank of Commerce, Boston, 5,000 00 5,900 00 

50 " Boston and Albany Railroad, . 5,000 00 8,700 00 

100 " New York Central Railroad, . 10,000 00 12,700 00 

44 " Chicago, Burl, and Quincy, . 4,400 00 5,456 00 



$73,500 00 $100,746 00 



48 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Summary of Assets Dec. 31, 1882. 
Loans on mortgage of real estate (first liens), $16,350 00 
Stocks, bonds, etc., as per schedule, . . 100,746 00 



( ash in the office of the company, 
Deposited in bank. 
Interest due and accrued, 

Gross assets, .... 



Liabilities. 

Losses and claims adjusted, but not due, 
Unearned premiums on outstanding risks, 
Dividends of profits due on terminated 

policies, 

Gross liabilities, .... 



Surplus, 



232 08 

4,173 .59 

813 17 



$830 00 
31,193 60 

413 74 



Income. 

Gross cash premiums received during the 

year $12,567 30 

Deduct return premiums, .... 763 32 

Net cash premiums received, . . . 

Received for interest on mortgages, 

for interest from all other sources, 

from policy fees, 

Deposit notes received during the }'ear, . $25,134 60 

Gross cash income, 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, .... 



Miscellaneous. 

Risks outstanding Dec. 31, 1881, . . .$3,893,225 00 
Risks written during 1882, .... 836,600 00 

Total, 

Risks terminated during 1882, 



$122,314 84 



32,437 34 
$89,877 50 



111,803 98 

1,275 61 

5,169 05 

464 00 



$18,712 64 



$2,755 33 

2,883 67 

96 10 

9,143 96 

200 00 

250 64 

$15,329 70 



$4,729,825 00 
813,350 00 



Net amount in force Dec. 31, 1882, $3,916,475 00 

Deposit notes received on outstanding risks, . . . 124,774 40 

Losses incurred during the year, 3,600 33 

Percentage of profits or surplus returned during 1882, 75 per cent. 
Average rate to date, 75 per cent. 



32.] 



INSURANCE COMPANIES. 



49 



MUTUAL PROTECTION' FIRE INSURANCE COMPANY, 

BOSTON. 



[Incorporated April 10, 1861. 

Amos Stone, President. 



Commenced business July 15, 1864.] 

Geo II. Pendergast, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

10 share? Monument National Bank, . . $1,000 00 
National Bank Republic, . . 2,000 00 

SI " (harlestown Gas Company, . 1,550 00 

50 " Atch., Top. and S. F. Railroad, . 5,000 00 

Northern Pacific Railroad bonds, . . 2,000 00 



$11,550 00 
Securities held as collateral for cash loans: — 



Market value. 

|2,050 00 

2,500 00 

2,356 00 

4,250 00 

2,040 00 

$13,196 00 



36 shares Charlestown Gas Company, 
10 " Calumet and Ilecla Mining ( 
50 " Conn, and Passumpsic River It.R. 



Market value. 

$2,786 00 1 

■') 00 
4,500 00 J 



Loaned thereon 



$5,00o 00 



) 00 



$9,736 00 

Summary of Assets Dec. 31, 1882. 

Loans on mortgage of real estate (first liens), $15,620 00 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 

deposited in the Monument Nat'] Bank, 

deposited in savings bank, . 
Premiums in course of collection (net), 
Interest due and accrued, .... 
Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks, . 
Dividends of profits due on terminated 

policies, 

Gross liabilities, 

Surplus, $32,277 96 

Income. 

Gross cash premiums received during the 

year, 

Deduct return premiums, .... 
Net cash premiums received, 
Received for interest on mortgages, . 
Received for interest from all other sources, 
Deposit notes received during the year, 



13,196 00 




5,000 00 




514 48 




90 09 




2,082 86 




460 19 




581 08 






$37,544 70 


85,072 46 


194 28 






5,266 74 





$1,384 58 




77 65 






$1,306 93 




. 


755 75 


. • 


1,100 88 


$5,788 50 





Gross cash income, 



$3,163 56 



50 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Expenditures. 

Taid for losses daring the year, . 

for brokerage and commissions, . 

for State and local taxes, 

for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, 

Gross cash expenditures, 

Miscellaneous 
Risks outstanding Dec. 31, 1881, . 
Risks written during 1882, . 

Total, 

Risks terminated during 1882, 

Net amount in force Dec. 31, 1882, . . . .$1,023,750 00 

Deposit notes received on outstanding risks, . . . 30,434 76 

Losses incurred during the year, 638 83 

Parcentage of profits or surplus returned during 1882, 25 per cent. 
Average rate to date, 25 per cent. 



. 




$038 83 


, 




292 11 


. 




18 79 


icies, 




394 90 

400 00 

67 41 


• 


$1,812 04 


i. 
$1,022,950 


00 




201,450 


00 


$1,224,400 00 






• 


• 


200,650 00 



NEWBURYPORT MUTUAL FIRE INSURANCE COMPANY, 

NEWBURYPORT. 

[Incorporated Feb., 1829. Commenced business May 1, 1829.] 

Amos Noyes, President. Joseph J. Knapp, Secretary. 



Detailed Statement of Stocks, 

100 shares Merchants 1 National Bank, 
18 " Mechanics 1 National Bank, 
31 41 Ocean National Bank, 
15 " Washington National Bank, 
10 " Traders 1 National Bank, . 
10 " Hide and Leather Nat'l Bank, 

Eastern Railroad bonds, 

Lawrence city bonds, . 

Lowell city bonds, 

Fall River city bonds, . 

Chelsea city bonds, 

Rutland Railroad bonds, 

Natick town bonds, 



Bonds, etc. 

Tar value. 

$2,000 00 
1,800 00 
1,550 00 
1,500 00 
1,000 00 
1,000 00 
5,500 00 
1,000 00 
2,000 00 
1,000 00 
1,000 00 
1,000 00 
2,000 00 



Summary of Assets Dec. 31, 1882. 

Stocks, bonds, etc., as per schedule, . . $25,577 50 

Cash in the office of the company, . . .'50 00 

deposited in Merchants 1 Natl Bank, . 449 82 



^Market value. 

$2,500 00 
2,520 00 
2,015 00 
1,905 00 
850 00 
1,090 00 
6,022 50 
1,150 00 
2,300 00 
1,200 00 
1,035 00 
960 00 
2,030 00 



$22,350 00 $25,577 50 



1882.] 



INSURANCE COMPANIES. 



51 



Cash deposited in savings banks, 
Interest accrued, . 
Office furniture and safe, 

Gross assets, . 



$225 40 



$2,050 89 




203 75 







$28,311 96 


$500 00 




4,160 21 




85 00 






4,745 21 





Liabilities. 

Losses and claims adjusted, but not due, 
Unearned premiums on outstanding risks, 
Rents and salaries, .... 
Gross liabilities, .... 



Surplus, $23,566 75 



Income. 
Gross cash premiums received during the 
year 

Deduct return premiums, .... 
Net cash premiums received, 
Received for interest from all sources, 

for rents, 

from all other sources . 
Deposit notes received during the year, 

Gross cash income, .... 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 



$1,048 83 




90 50 







$958 33 


. 


1,244 33 


. 


40 00 


. 


35 36 


$7,666 64 





Gross cash expenditures, 

Miscellaneous. 

Risks outstanding Dee. 31, 1881, . 

Risks written during 1882, .... 

Total, 

Risks terminated during 1882, 



$2,278 02 



$58 00 
300 00 

10 05 
957 18. 
100 00 

53 49 

$1,478 72 



$663,385 00 
80,100 00 



$743,485 00 
83,100 00 



Net amount in force Dec 31, 1882, . . . . . $660,385 00 
Deposit notes received on outstanding risks, . . . 60,600 26 

Losses incurred during the year, 558 00 

Percentage of profits or surplus returned during 1882, 100 per cent. 
Average rate to date, 100 per cent. 



52 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



NORFOLK MUTUAL FIRE INSURANCE COMPANY, 

DEDHAM. 

[Incorporated Feb. 12, 1825. Commenced business July 1, 1825.] 

Ira Cleveland, President. Elijah Howe, Jr., Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

. Par value. Market value. 

United States bonds, $50,000 00 $57,000 00 

Chicago city bonds, 7,000 00 8,470 00 

Cincinnati city bonds, 25,000 00 32,500 00 

Marquette & Ontonagon Railroad bonds, . 32,000 00 37,760 00 

Philadelphia & Reading Railroad bonds, . 8,000 00 9,920 00 

Old Colony Railroad bonds, . . . 12,000 00 13,980 00 

New England Mortgage Security bonds, . 20,000 00 20,800 00 

Union Pacific Collateral Trust bonds, . 15,000 00 15,750 00 

50 shares Dedham Water Company, . . 5,000 00 5,000 00 

$174,000 00 $201,180 00 

Summary of Assets, Dec. 31, 1882. 

Cash value of unencumbered real estate, . $16,000 00 
Loans on mortgage of real estate (first 

liens), 91,350 00 

Stocks, bonds, etc., as per schedule, . . 201,180 00 

Cash in the office of the company, . . 3,060 84 

deposited in bank, .... 15,807 15 

Premiums in course of collection (net), . 6,005 07 

Interest due and accrued, .... 6,381 32 

Rents accrued, 564 $7 

Gross assets, 

Liabilities. 

Claimed and reported losses, not adjusted, . $1,330 00 

Unearned premiums on outstanding risks, . 110,559 91 

Return premiums on cancelled policies, . 376 93 
Dividends of profits due on terminated 

policies, 4,736 25 

Salaries and incidental expenses, . . 862 50 

Gross liabilities, 



$340,349 05 



Surplus, 



Income. 

Gross cash premiums received during the year, 
Received for interest on mortgages, .... 
for interest from all other sources, 

for rents, 

from all other sources, .... 

Deposit notes received during the year, . $106,932 31 

Gross cash income, 



117,865 59 
$222,483 46 

$52,307 88 

5,668 32 

10,938 45 

1,460 50 

25 00 

$70,400 15 



1882.] 



INSUEANCE COMPANIES. 



53 



Expenditures. 

Taid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, .... 



Gross cash expenditures, 



$22,037 85 

7,781 88 

3,147 35 

783 14 

2G,546 97 

1,015 12 

$61,312 31 



Miscellaneous. 



Risks outstanding Dec. 31, 1881, 
Risks written during 1882, . 
Total, .... 
Risks terminated during 1882, 



$14,131,298 15 
. 3,547,380 00 



L7.r>78,678 15 
3,584,064 61 



Net amount in force Dec. 31, 1882, .... §14,094,01354 
Deposit notes received on outstanding risks, . . . 440,180 28 

Losses incurred during the year, 18,847 85 

Percentage of profits or surplus returned during 1882, 33| to 50 per cent. 



QUINCY MUTUAL FIRE INSURANCE COMPANY, QUINCY. 

[Incorporated March 22, 1851. Commenced business May, 1851.] 

Israel W. Monroe, President. Charles A. Howland, Secretary. 



Detailed Statement of Stocks, 

200 shares Manufacturers' Nat'l B'k, Boston, 

40 

222 

35 

100 

66 

70 

45 

50 

37 

50 

46 

75 

25 

207 

96 

50 

64 

48 

67 

10 



Merchants 1 Nat'l Bank, Boston, . 
Third National Bank, Boston, 
State National Bank, Boston, 
North National Bank, Boston, . 
Washington Nat'l Bank, Boston, 
Second National Bank, Boston, . 
Blackstone Nat'l Bank, Boston, . 
First Natioual Bank, Boston, 
Revere National Bank, Boston, . 
Hamilton Nat'l Bank, Boston, . 
Continental Nat'l Bank, Boston, 
Redemption Nat'l Bank, Boston, 
Market National Bank, Boston, . 
Mt.Wollaston Nat'l B'k, Quincy, 
Granite National Bank, Quincy, . 
Wachusett Nat'l B'k, Fitchburg, 
Hingham Nat'l Bank, Hingham, 
First Nat'l B'k, South Weymouth, 
Union Nat'l Bank, Weymouth, . 
Quinsigamond National Bank 
Worcester, . . . 



Bonds, etc. 

Tar value. 

$20,000 00 
4,000 00 

22,200 00 
3,500 00 

10,000 00 
6,600 00 
7,000 00 
4,500 00 
5,000 00 
3,700 00 
5,000 00 
4,600 00 
7,500 00 
2,500 00 

20,700 00 
9,600 00 
5,000 00 
4,480 00 
4,800 00 
6,700 00 

1,000 00 



Market value. 

$20,000 00 
5,480 00 

22,200 00 
4,200 00 

13,500 00 
9,240 00 

10,150 00 
4,815 00 
9,500 00 
4,070 00 
5,500 00 
5,290 00 

10,125 00 
2,500 00 

30,015 00 

12,480 00 
9,250 00 
4,480 00 
6,000 00 
7,370 00 

1,100 00 



54 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



50 shares Brockton Nat'l Bank, Brockton, 
29 " Plymouth Nat'l Bank, Plymouth, 
11 " Old Colony Railroad, . 
20 " Citizens' Gas-Light Company, 
28 " Lawrence Duck Company, . 
28 " Pacific National Bank, Boston, 



Par value. 

$5,000 00 
2,900 00 
1,100 00 
2,000 00 
2,800 00 



Market value. 

50 00 

3,480 00 
1,485 00 
2,000 00 
4,200 00 



$172,180 00 $213,080 00 



Securities held as collateral for cash loans : — 



107 shares Ilingham Cordage Company, 
142 " Lawrence Duck Company, . 
37 " Atch., Top. and Santa Fe. 11 11., 
Tol.. Cinn. and St Louis Railroad bond, 
Mutual Union Telegraph Company bond, .. 
Toledo and Delphos Trust Certificate, 
Toledo, Delphos and Burl. Railroad bonds, 
Wichita and So. Western R. R. mort. bonds, 
Personal loans, 



Summary of Assets Dec. 
Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, .... 
Premiums in course of collection (net), 
Interest due and accrued, .... 
Cash deposited in Pacific National Bank, . 
Gross assets, • 

Liabilities. 
Unearned premiums on outstanding risks, . 
Return premiums on cancelled policies, . ^ 
Dividends of profits due on terminated > 

policies, J 

State and local taxes, due or accrued, . 
Salaries and incidental expenses, 

Gross liabilities, 



.Market value. 

$11,770 00 
21,300 00 



Loaned thereon 

$10,000 00 
23,091 67 

5,000 00 

7,000 00 

12,000 00 
28,890 00 



Surplus, 



Income. 
Gross cash premiums received during the year, 
Received for interest on mortgages, . 

for interest from all other sources, 

lor rents, 

Deposit notes received (luring the year, 

Gross cash income, .... 





$85,981 67 


31, 1882. 




$15,500 00 




79,100 00 




213,680 00 




85,981 67 




370 00 




35,487 30 




9,103 26 




7,225 32 




16,004 42 







$462,451 97 


$187,080 40 




2,500 00 




300 00 




752 17 






190,632 57 






$271,819 40 


r, 


$9.-),797 56 


. 


3,493 26 


. 


15,510 05 


. . • 


650 00 


$95,797 56 





$115,450 87 



1882.] 



INSURANCE COMPANIES. 



55 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, . 



Gross cash expenditures, 



Miscellaneous. 



Risks outstanding; Dec. 31, 1881, 
Risks written during 1882, . 
Total, .... 
Risks terminated during 1882, 



$25,509,944 00 
. 7,164,728 00 



$19,810 74 

15,416 57 

9,375 00 

1,610 36 

36,020 49 

4,784 06 

887,017 22 



•$32,674,672 00 
. 6,556,695 00 



Net amount in force Dec. 31, 1882, .... $26,117,977 00 
Deposit notes received on outstanding risks, . . . 374,160 80 

Losses incurred during the year, 19,727 46 

Percentage of profits or surplus returned during 1882, 20 to 50 per cent. 



SALEM MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated April 17, 1838. Commenced business May, 1838.] 

Chaklks S. Nichols, President. Samuel A. Potter, Secretary. 



Detailed Statement of Stocks, 

20 shares Salem National Bank, Salem, 

14 " Asiatic National Bank, Salem, 

5 " National Exchange Bank, Salem, 

15 " Salem Gas-Light Company,Saleni, 
2 " Lynn Gas-Light Company, Lynn, 

6 " Cambridge Railroad Company, 
ity of Cincinnati bonds, 

of Toledo bonds, . 

of Cleveland bonds, 

of Springfield bonds, 

of Chicago bonds, 

of Peoria bonds, 

of Chelsea bonds, . 

of St Louis bonds, 
County of St. Louis bonds, . 
County of Cook bonds, 
Boston and Maine Railroad bonds, 
Boston and Lowell Railroad bonds, 
Essex Railroad bonds, . 
Eastern Railroad bonds, 



Bonds, etc. 

Par value. 

§2,000 00 

420 00 

500 00 

1,500 00 

200 00 

600 00 

2,000 00 

2,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

2,000 00 

1,000 00 

1,000 00 



Market value. 

$2,400 00 

560 00 

625 00 

1,365 00 

160 00 

500 00 

2,540 00 

2,270 00 

1,180 00 

1,350 00 

1,170 00 

1,100 00 

1,130 00 

1,090 00 

1,100 00 

1,050 00 

1,240 00 

2,150 00 

1,040 00 

1,090 00 



$22,220 00 $25,110 00 



56 MzYSSACHUSETTS MUTUAL FIRE [Dec. 31, 



Summary of Assets Dec. 31, 1882. 

Loans on mortgage of* real estate(iirst liens), $8,150 00 

Stocks, bonds, etc., as per schedule, . . 25.110 00 

Loans on personal security, . . . 2,000 00 

Cash in the ollice of the com pan}-, . . 840 38 

Premiums in course of collection (net), . 493 13 

Interest accrued, 533 45 

Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks, . $6,608 74 
Dividends of profits due on terminated 

policies, 308 25 

State and local taxes, due or accrued, . 8 99 

Salaries and incidental expenses, . . 383 00 

Gross liabilities, .... 

Surplus, 



Income. 

Gross cash premiums received during the 

year, $5,308 93 

Deduct return premiums, .... 115 54 

Net cash premiums received, . . . 

Received for interest on mortgages, 

for interest from all other sources, 

from all other sources, 

Deposit notes received during the year, . $15,893 79 

Gross cash income, 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, 

Gross cash expenditures, .... 

Miscellaneous. 

Risks outstanding Dec. 31, 1881, . 
Risks written during 1882, . 

Total 

Risks terminated during 1882, 



$901,315 00 
374,225 00 



$37,126 96 



7.308 98 



$29,817 98 



$5,193 39 

399 20 

1,550 65 

275 00 

$7,418 24 



$594 


71 


52 


31 


1,262 


00 


50 


58 


2,223 


12 


155 


10 



$4,337 82 



$1,275,540 00 
li)3,500 00 



Net amount in force Dec. 31, 1882, $872,040 00 

Deposit notes received on outstanding risks, . . . 39,652 45 

Losses incurred during the year, 176 75 

Percentage of profits or surplus returned during 1882, 40 per cent. 
Average rate to date, 40 per cent. 



1882.] 



INSURANCE COMPANIES. 



57 



SALISBURY AND AMESBURY MUTUAL FIRE INSURANCE 
COMPANY, AMESBURY. 

[Incorporated May 1"), 1S55. Commenced June 13, lSoo.] 

Joseph N. (lark. President. Charles L. Allen, Secretary. 

Summary of Assets Dec. 31, 188 



Cash in the office of the company, 
Cash dep< sited in savings bank, . 

Office safe, 

Gross assci-. 



$100 00 



i 92 
1,491 96 



$1,638 88 



Li uulities. 
Unearned premiums on outstanding risks, 
Gross liabilities, 



Surplus, 



Income. 
Gross cash premiums received during the 

year, 

Deduct return premiums, .... 
Net cash premiums received, 
Received for interest from all sources, 
Received from policy fees, .... 
Deposit notes received during the year, 



Gross cash income, 



$1,514 SO 



1,514 < Q 9 

sl_>3 99 



|394 67 




4.") 30 






$349 37 




. 


57 92 


. 


41 00 


$,168 92 





§443 29 



Expenditures. 

Paid for losses during the year, . 

for brokerage and commissions, . 

for salaries and fees of officers and employes, 

for State and local taxes, 

for incidental expenses, 

Gross cash expenditures, 



Miscellaneous. 
Risks outstanding Dec. 31, 1881, . 
Risks written during 1882, .... 

Total, 

Risks terminated during 1882, 

Net amount in force Dec. 31, 1882, 

Deposit notes received on outstanding risks, 

Losses incurred during the year, . 



8358.743 00 
38,599 00 





00 


41 


00 


160 


00 


2 


78 


17 


CO 



8275 78 



8397,342 00 

40,000 00 



30,297 98 
55 00 



58 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



SADGUS MUTUAL FIRE INSURANCE COMPANY, SAUGUS. 

[Incorporated Feb. 24, 1852. Commenced business April 1, 1852.] 

Harmon Hall, President. WlLBUB F. Newiiall, Secretary. 

[Note. — This company insures nothing bat dwellings, farm-buildings, 

and their contents, in Lynn, Saugus, Lynnfielil, Swampscott, and Nahant. 
No cash premiums are taken ; but assessments are made on deposit notes, 
to pay losses and expenses. All policies are issued for a term of three 
years.] 

Summary of Assets Dec. 31, 1882. 

Cash deposited in bank, .... $2,572 83 
Net amount of unpaid assessments, . . 152 40 

Office property, .... $250 00 

Gross assets, $2,725 23 



Income. 

Received from assessments on deposit notes, 

for rents, 

from policy fees, .... 

Deposit notes received during the year, 

Gross cash income, .... 



$109,044 00 



1,934 25 

27 00 

609 00 



§2,570 25 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employes, 
for State and local taxes, .... 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, .... 



f 25 88 

1,104 00 

20 07 

150 00 

128 56 

>1,428 51 



Miscellaneous. 

Risks outstanding Dec. 31, 1881, . . . $2,464,150 00 
Risks written during 1882, .... 889,400 00 

Total, $3,353,550 00 

Risks terminated during 1882, 826,875 00 



Net amount in force Dec. 21, 1882, 
Deposit notes received on outstanding risks, 
Losses incurred during the year, . 
Assessments laid on deposit notes, 



. $2,526,675 00 

307,603 00 

25 88 

1,987 30 



1882.] INSURANCE COMPANIES. 59 



SHELBURNE MUTUAL FIRE INSURANCE COMPANY, SIIEL- 

BURNE. 

[Incorporated 1877. Commenced business July 4, 1877.] 

Nathan O. Newhall, President. E. B. Alvord, Secretary. 

[Note. — Insures property in the town of Sbelburne only ] 

Summary of Assets Dec 31, 1882. 

Cash in the office of the compan y, . . $11 31 

deposited in savings bank, . . . 646 52 

Premiums in course of collection (net), . 36 88 

Gross assets, $694 71 

Liabilities. 
Adjusted losses and claims, due and unpaid, $5 2.5 

Gross liabilities, 5 25 



$689 46 



Income. 

Gross cash premiums received during the 

year, $531 54 

Deposit notes received during the year, . $5,315 40 



Gross cash income, $531 54 

Expenditures. 

Paid for losses during the year, $5 25 

for salaries and fees of officers and employes, . . 2 00 



Gross cash expenditures, $7 25 

Miscellaneous. 
Risks outstanding Dec. 31, 1881, . . $112,458 00 

Risks written during 1882, .... 86,608 00 

Total, §199,066 00 

Risks terminated during 1882, 93,658 00 



Net amount in force Dec 31,1882, $105,408 00 

Deposit notes received on outstanding risks, . . . 6,436 34 

Losses incurred during the year, 5 25 



60 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



SOUTH DANVERS MUTUAL FIRE INSURANCE COMPANY, 

PEABODY. 

[Incorporated June 12, 1829. Commenced business Aug. 1, 1829.] 

William P. Clark, President. Geokge M. Foster, Secretary. 



Detailed Statement of Stocks, 

80 shares South Danvers Nat'l B'k, Peabody, 

48 " 

51 « 

20 ' 

18 ■ 

12 " 

3-4 " 

30 " 

8 ' 



4 Warren National Bank, Peabody 
4 Asiatic National Bank, Salem, 
1 Naumkeag National Bank, Salem 
1 Exchange National Bank, Salem 
* First National Bank, Salem, 
' First National Bank, Danvers, 

N'l Hide and Leather B'k, Boston 
1 Andover National Bank, 
United States bonds, .... 
Cleveland city bonds, .... 
Cincinnati city bonds, .... 
Eastern Railroad bonds, 
Boston and Maine Railroad bonds, 
Ogdensburg and Lake Champ. R. R. bond 



Bonds, etc. 

Par value. 

$8,000 00 
4,800 00 
1,530 00 
2,000 00 
1,800 00 
1,200 00 
2,550 00 
3,000 00 
800 00 
5,000 00 
2,000 00 
3,000 00 
2,000 00 
2,000 00 
1,000 00 



Summary of Assets Dec. 31, 1882. 



Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc , as per schedule, 
Cash in the office of the company, 
deposited in savings bank, . 
Premiums in course of collection (net), 

Interest accrued, 

Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks, . 
Dividends of profits due on terminated 

policies, 

Salaries, 

Gross liabilities, ..... 



$200 00 

51,340 00 

171 50 

4,96G 58 

1 00 

173 00 



$11,335 53 



210 81 
172 00 



Market value. 

$12,000 00 
6,720 00 

2,040 00 
3,200 00 
2,160 00 
1,140 00 
3,060 00 
3,270 00 
840 00 
5,650 00 
2,000 00 
3,300 00 
2,180 00 
2,480 00 
1,000 00 



$40,680 00 $51,340 00 



$56,852 08 



11,727 34 



Surplus, $45,124 74 



Income. 

Gross casli premiums received during the 

year, 

Deduct return premiums, .... 

Net cash premiums received, 



52,801 01 
336 75 



$2,468 19 



1882.] 



INSURANCE COMPANIES. 



61 



Received for interest on mortgages, 

for interest from all other sources, 

from policy tecs, .... . 

Deposit notes received during the year, . $8,414 82 

Gross cash income, 



$12 00 

2,844 35 

96 00 



►,420 54 



Expenditures. 

Paid for losses during the Year, .... 
for salaries and tees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 



$220 62 


792 


00 


24 


38 


2,223 


82 


68 


67 



$3,329 49 



Miscellaneous. 



Risks outstanding Dec. 31, 1881, . 
Risks written during 1882, . 

Total, 

Risks terminated during 1882, 



. $1,031,305 00 
135,200 00 



$1,166,505 00 
126,000 CO 



Net amount in force Dec. 31, 1882 $1,0J0,505 00 

Deposit notes received on outstanding risks, . . . 63,684 56 

Losses incurred during the year, 177 00 

Percentage of profits or surplus returned during 1882, 100 per cent. 



SPINNERS 1 MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Feb. 12, 1881. Commenced business April 1, 1881.] 

Edward Atkinson, President. William B. Whiting, Secretary. 

Office, 131 Devonshire Street. 

Summary of Assets Dec. 31, 1882. 

Cash deposited in the N. E. Trust Co., . $18,227 85 

Gross assets, $18,227 85 



Liabilities. 

Adjusted losses and claims due and unpaid, 
Unearned premiums on outstanding risks, . 
State and local taxes, due or accrued, 
Gross liabilities, . . . 

Balance against the company, 



$6,165 68 

12,325 23 

53 89 



18,544 80 
$316 95 



G2 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 

Gross cash premiums received during the 

year, $25,987 74 

Deduct return premiums, .... 1,235 21 

Net cash premiums received, . . . 

Received for interest from all sources, .... 
Deposit notes received during the year, . $129,938 70 

Gross cash income, 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, .... 



Miscellaneous. 

Risks outstanding Dec. 31, 1881, . . . $2,157,354 00 

Risks written during 1882, . . . 3,207,022 00 

Total, 



|24,752 53 

490 48 



$25,243 01 



$5,871 85 

2,220 55 

231 54 

15,617 23 

112 80 

50 40 



$24,110 37 



$5,361,976 00 

Risks terminated during 1882, 2,369,095 00 



Net amount in force Dec. 31, 1882, $2,995,881 00 

Deposit notes received on outstanding risks, . . . 123,252 25 
Losses incurred during the year, ..... 12,037 53 

Percentage of profits or surplus returned during 1882, 76 ^ per cent. 
Average rate to date, 76 ^ftj per cent. 



TRADERS' AND MECHANICS 1 MUTUAL FIRE INSURANCE 

COMPANY, LOWELL. 

[Incorporated June, 1848. Commenced business June, 1S48.] 

Levi Sprague, President. Edward M. Tucke, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Tar value. .Market value. 

Boston and Lowell Railroad bonds, . . $15,000 00 $17,850 00 

Conn, and Passumpsic Railroad bonds, . 1,000 00 1,150 00 

Cambridge city bonds, .... 5,00000 5,75000 

Cook County bonds, 2,000 00 2,000 00 

Lowell city bonds 3,000 00 3,420 00 

Lynn city bonds, 5,000 00 5,760 00 

329 shares Traders' and Mechanics' Ins. Co., 32,000 00 32,900 00 

50 " Connecticut River Railroad, . 5,000 00 8,000 00 

25 M Vermont and Mass. Railroad, . 2,500 00 3,250 00 



L882.] 



INSURANCE COMPANIES. 



63 



100 shares Lowell (las Company, 

50 " Lawrence Gas Company, . 

15 " Middlesex Company, 

S " Massachusetts Cotton Mills, 

80 " Tremont and Suffolk Mfg Co., 

50 " Vassalborougb Mills, 

8 " Merrimack Manufacturing Co. 

20 " Androscoggin Mills, . 

5 " Lowell Manufacturing Co., 

20 " Bank of North America, . 

30 " Old Lowell Bank, 



' Pewabic Manufacturing Co , 

' Suburban Telephone Company, . 

1 St. Louis and San F. R. R., pref., 
Nashua and Lowell Railroad, 

' St. Louis and San F. R. R., pref., 
New Orleans, Jackson and Gt. N. R.R. bonds, 
Leavenworth, T. and So. W. R. R. bonds, . 
3 shares Merrimack Manufacturing Co., 
1 share Lowell Manufacturing Co., 
Personal loans, 



Par value. 

$10,000 00 
5,000 00 
1,500 00 
3,000 00 
8,000 00 
5,000 00 
8,000 00 
2,000 00 
3,450 00 
2,000 00 
3,000 00 



Market value. 

$15,000 00 
6,250 00 
3,300 00 
3,975 00 
4,500 00 

3,dbo 00 

11,160 00 
2,640 00 
3,450 00 
2,200 00 
3,600 00 



$117,350 00 $139,145 00 



Securities held as collateral for cash loans:— 

Boston and Lowell Railroad bonds, 
New York and N. E. Railroad bonds, 
Chicago city bonds, 

10 shares Bates Manufacturing Co., 
100 ■ 
5 ' 
100 4 

55 ' 
100 ' 



Market value. 

$6,000 00' 
2,250 00 
3,460 00. 
2,000 00 
1,200 00 
625 00 

6,000 00 

7,97.") 00 
10,000 00 

9,720 00 

7,000 00 

4,000 00 

690 00 



Loaned thereon. 

$10,000 00 

3,600 00 

6,000 00 
6,100 00 
9,500 00 
9,000 00 
5,000 00 
3,400 00 
400 00 
25,775 00 

$78,775 00 



Summary of Assets Dec. 31, 1882. 

Loans on mortgage of real estate (first liens), $123,780 00 

Stocks, bonds, etc., as per schedule, . . 139,145 00 

Loans on collateral security, as per schedule, 78,775 00 

Cash deposited in Prescott National Bank, . 8,859 66 

Premiums in course of collection (net), . 2,474 25 

Interest due and accrued, .... 1,530 00 

Gross assets, $354,563 91 



Liabilities. 

Claimed and reported losses, not adjusted, 

Unearned premiums on outstanding risks, 

Gross liabilities, .... 



$200 00 
124,380 23 



124,580 23 



Surplus, $229,983 68 



64 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 

Gross casb premiums received during the year, $58,434 07 

Deduct return premiums, .... 1,637 32 

Net cash premiums received, . . . 

Received for interest from all sources, . 

Deposit notes received during the year, . $58,525 16 

Gross cash income, 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for rents, 



Gross cash expenditures, 



$56,796 75 
20,964 77 



$77,761 52 



$15,106 83 

7,645 04 

3,800 78 

559 45 

20,296 98 

150 00 

$47,559 08 



Miscellaneous. 
Risks outstanding Dec. 31, 1881, . . $16,654,837 00 
Risks written during 1882, .... 4,309,580 00 

Total $20,964,417 00 

Risks terminated during 1882, . . ' . . . . 3,960,923 00 

Net amount in force Dec. 31, 1882, .... $17,003,49400 
Deposit notes received on outstanding risks, . 58,525 16 

Losses incurred during the year, 15,206 83 

Percentage of profits or surplus returned during 1882, 20, 30 and 50 per 
cent. 



WESTFORD MUTUAL FIRE INSURANCE COMPANY, WEST- 
FORD. 

[Incorporated March 20, 1S40. Commenced business July, 1840.] 

Allan Cameron, President. J. Henry Read, Secretary. 



Summary of Assets Dec. 31, 1882. 



Loans on personal security, 
Cash in the office of the company, 
deposited in savings banks, 

Interest due, 

Gross assets, 

Liabilities. 
Unearned premiums on outstanding risks, 
Gross liabilities, .... 



$501 00 
159 48 

2,118 78 
130 00 



$1,649 10 



$2,909 26 



1,619 10 



Surplus, . 



1,260 16 



I.sSl'. 



i KfSl 1 R A N CE COMPANIES. 



B5 



Income. 

Gross cash premiums received during the 

year, 

Deduct return premiums, 

Net cash premiums received, 
Received for interest from all sources, 
Deposit notes received during the year. 

(iros^ cash income, 



$777 32 




15 00 






$762 32 




130 00 


$2,331 90 






$892 32 



Expenditures. 

Paid for salaries and fees of officers and employes, . 
for State and local taxes, 

Gross cash expenditures, 



$48 68 
7 39 

$56 07 



Miscellaneous. 

Risks outstanding Dec. 31, 1881, . 

Risks written during 1882, .... 

Total, 

KNks terminated during 1882, 

Net amount in force December 31, 1882, 
Deposit notes received on outstanding risks, 



$350,970 00 
81,125 00 



1132,095 00 
103,275 00 



328,820 00 

8,927 36 



WEST NEWBURY MUTUAL FIRE INSURANCE COMPANY, 

WEST NEWBURY. 

[Incorporated April, 1828. Commenced business March, 1828] 

Wm. Merrill, President. Henry T. Bailey, Secretary. 

[Note. — This company charges no cash premium, but relies upon 
assessments on deposit notes to pay losses and expenses.] 

Summary of Assets Dec. 31, 1882. 

Cash in the office of the company, 

deposited in bank, .... 
Interest due and accrued, .... 
Office furniture, . . . . $140 00 
Gross assets, . . . . . 



2o 
1,096 65 
16 00 



$1,129 90 



Liabilities. 

Rents, salaries and incidental expenses, 

Surplus, 



535 00 



$594 90 



66 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 

Received from assessments on deposit notes, 

from policy fees, 

Deposit notes received during the year, . $13,216 76 

Gross cash income, 



$71 44 
164 00 



$235 44 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employes, 
for State and local taxes, .... 

for rent?, 

for incidental expenses, .... 

Gross cash expenditures, .... 



$175 00 


35 72 


594 50 


70 


15 00 


34 88 



$855 80 



Miscellaneous. 



Risks outstanding Dec. 31, 1881, . 

Risks written during 1882, .... 

Total, 

Risks terminated during 1882, 

Net amount in force Dec. 31, 1882, 

Deposit notes received on outstanding risks, 

Losses incurred during the year, 



$2,362,696 00 
326,445 00 



$2,689,141 00 
296,330 00 

$2,392,811 00 

124,899 89 

175 00 



WORCESTER MANUFACTURERS' MUTUAL FIRE INSURANCE 
COMPANY, WORCESTER. 

[Incorporated March 31, 1855. Commenced business March 31, 1855.] 

George M. Rice, President. Samuel R. Barton, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



Boston and Albany R.R. bonds, 
Boston and Fitchburg R.R. bonds, 
Old Colony R. R. bonds, 
Providence and Worcester R.R. bonds, 
New York and New England R.R. bonds, 
Chicago, Burl, and Quincy R.R. bonds, 
United States bonds, .... 
Worcester city bonds, .... 
Citj National Bank stock (Worcester), 
Corporation notes, .... 



Par value. 

$26,000 00 
15,000 00 
25,000 00 
13,000 00 
15,000 00 
25,000 00 
10,000 00 
10,000 00 
6,000 00 



Market value 

$32,077 50 
18,506 25 
30,813 75 
15,740 00 
15,750 00 
21,250 00 
11,925 00 
11,700 00 
7,200 00 
45,000 00 



f209,992 50 



1882.] 



INSURANCE COMPANIES. 



67 



Summary of Assets Dec. 81, 1882. 

Stocks, bonds, etc., as per schedule, . $209,992 50 

Cash in the office of the company, . 23 68 

deposited in bank, .... 17,655 60 

Gross assets, 



$227,671 78 



Liabilities. 

Claimed and reported losses, not adjusted, 
Unearned premiums on outstanding risks, 
State and local taxes, due or accrued, . 
Gross liabilities, fc . 

Surplus, 



$50,000 00 

81,143 -41 

321 77 



131,465 18 
$93,206 60 



Income. 

Gross cash premiums received during the 

year, $174,707 01 

Deduct return premiums, .... 6,420 19 

Net cash premiums received, $168,286 82 

Received for interest from all sources, .... 10,551 60 

from profit on bonds sold, 4,195 86 

Deposit notes received during the year, $542,511 bo 



Gross cash income, $l«3,034 28 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and empluyea, 

for inspections, 

for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, 



$17,505 36 

4,280 60 

1,500 00 

1,666 91 

127,150 44 

500 00 

797 02 



$153,400 33 



Miscellaneous. 






Risks outstanding Dec. 31, 1881, 
Risks written during 1882, . 
Total, .... 
Risks terminated during 1882, 



.$17,373,767 88 
. 18,920,225 00 



-$36,293,992 88 
. 17,373,767 88 



Net amount in force Dec. 31, 1882, 18,920,225 00 

Deposit notes received on outstanding risks, . . 842,511 85 

Losses incurred during the year, 67,505 36 

Percentage of profits or surplus returned during 1882, 80^ per cent. 
Average rate to date, 64-^- per cent. 



68 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



WORCESTER MUTUAL FIRE INSURANCE COMPANY, 

WORCESTER. 

[Incorporated February, 1823. Commenced business May, 1824. J 

Ebenezfr Toruey, President. R. F. Upham, Secretary. 

Charles M. Miles, Vice-President. 



Detailed Statement of Stocks, Bonds, etc. 



United States 4 per cent, bonds, . 
Union Pacific Railroad, 
Boston, Barre and Gardner Railroad bonds 
170 shares Worcester Nt'l Bank, Worcester 
200 " City National Bank, Worcester, 
60 " Citizens' Ntfl B'nk, Worcester, 
22 " Central Nt'l Bank, Worcester, 
57 " Mechanics 1 Nt'l B'nk Worcester 
45 " Quinsigamond N 1 1 B% Worcester 
40 " Fitchburg National Bank, 
15 " Blackstone National Bank, 
20 " Oxford National Bank, 
15 " Grafton National Bank, 
15 " Southbridge National Bank, 
30 " Westborough National Bank, 
25 " Wachusett National Bank, . 



Par value. 

$20,000 00 
5,000 00 
12,000 00 
17,000 00 
20,000 00 
5,000 00 
2,200 00 
5,700 00 
4,500 00 
4,000 00 
1,500 00 
2,000 00 
1,500 00 
1,500 00 
3,030 00 
2,500 00 



Market value. 

$23,900 00 
5,775 00 
12,000 00 
21,760 00 
24,000 00 
6,000 00 
3,080 00 
6,954 CO 
5,310 00 
6,000 00 
1,650 00 
2,600 00 
1,650 00 
1,950 00 
3,450 00 
5,000 00 



$107,430 00 $131,079 00 



Securities held as collateral for cash loans 



10 shares Bay State House, 

65 " Worcester Gas Light Co., . 

50 " Boston and Maine R.R., 

25 " Woicester and Nashua R.R., 
600 " Nashua and Rochester R.R., 
Personal loans, 



Market value. Loaned thereon. 

$2,250 00 $1,850 00 
8,125 00 6,500 00 
6,000 00 3,400 00 
1,500 00 1,200 00 

36,000 00 25,000 00 
20,250 00 

$58,200 00 

Summary of Assets Dec. 81, 1882. 

(ash value of unencumbered real estate, . $80,000 00 

Loans on mortgage of real estate (first liens) 230,536 00 

Stocks, bonds, etc., as per schedule, 131,079 00 

Loans on collateral security, as per schedule, 58,200 00 

Cash in company's office and in bank . . 17,125 07 

Interest and rents due and accrued, . 8,339 59 

Gross assets, $525,279 Q6 



882.] 



INSURANCE COMPANIES. 
Liabilities. 



Losses ami claims unpaid, .... $4,000 00 
Unearned premiums on outstanding risks, ■ 229,529 42 

Gross liabilities, 

Surplus 



69 



$233,529 42 
$291,750 24 



Incomi 

Gross cash premiums received during the year, $107,849 27 

Received for interest, 20,450 84 

for rents, 0,312 66 

from all other sources, ... . 1,094 69 
Deposit notes received during the year. $107,489 27 

Gross cash income, $135,707 46 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employes, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 



$25,812 67 
9,804 70 
9,556 60 
2,032 50 
67,064 02 
4,311 11 

$118,581 60 



Miscellaneous. 



Risks outstanding Dec. 31, 1881, . 
Risks written during 1882, . 

Total, 

Risks terminated during 1882, 



$30,113,569 00 
. 7,484,714 00 



-$37,598,283 00 
. 7,511,318 00 



Net amount in force Dec. 31, 1882, .... $30,086,96500 
Deposit notes receive.d on outstanding risks, . . . 459,058 84 

Losses incurred during the year, 25,732 98 

Percentage of profits or surplus returned during 1882, 60 per cent. 



70 



MASS. M. FIRE INS. COS. [Dec. 31, '82. 



AGGREGATE. 



Guaranty capital, 


$300,000 


Assets. 




Gross present assets, 


$6,859,426 


Liabilities. 




Gross present liabilities, 


$3,005,668 


Income. 




Cash received for premiums during the year, . 


$2,286,990 


for interest and dividends, .... 


307,097 


from assessments on deposit notes, 


7,038 


for rents, ....... 


22,383 


from all other sources, .... 


11,676 


Gross cash income, 


$2,635,184 


Expenditures. 




Cash paid for losses, . . . ... 


$533,072 


for brokerage and commission on premiums, . 


128,088 


for salaries and fees of officers and employe's 


181,769 


for interest on borrowed money, 


253 


for State and local taxes, ..... 


29,977 


for return of profits or surplus, 


1,328,733 


for rents, 


14,567 


for dividends on guaranty capital, 


21,000 


for all other expenditures 


47,789 




$2,285,248 


General Items. 




Risks written during the year, ... 


$231,371,625 


terminated during the year, . . 


210,573,556 


outstanding at end of year, ..... 


442,585,277 


Amount of deposit notes received thereon, 


12,877,667 


of losses incurred during the year, 


809,973 


Net profits reserved by companies having guaranty 






96,718 



MASSACHUSETTS 

MUTUAL MARINE INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Anntal Statements, for the Year ending 

December 31, 1K8-2. 



72 MASSACHUSETTS MUTUAL MARINE [Dec. 31, 



DETAILED STATEMENT OF ASSETS AND LIABILITIES. 



CHINA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated April 30, 1853. Commenced bueinees Oct. 1, 1853.] 

Willtam Perkins, President. Geo. L. De Blois, Secretary. 

Office, No. 52 State Street. 



Detailed Statement of Stocks, 



United States bonds, 4s, 

Town of Brookline bonds, . 

Town of Beverly bonds, 

Eastern Railroad bonds, 

100 shares Atlas National Bank, Boston, 

100 ' 

100 ' 

300 ' 

300 ' 

16 ■ 
120 ' 
100 ' 
300 ' 
200 

30 ' 
350 ' 
100 
300 
150 
200 
120 

48 



Old Boston Nat'l Bank, Boston, 
Continental Nat'l Bank, Boston 
Columbian Nat'l Bank, Boston, 
Hide & Leather N'l B'k, Boston, 
Massachusetts N'l B'k, Boston, 
North National Bank, Boston, 
N. England Nat'l B'k, Boston, 
Republic Nat'l Bank, Boston, 
Second Nat'l Bank, Boston, 
State National Bank, Boston, 
Tremont Nat'l Bank, Boston, 
Webster Nat'l Bank, Boston, 
Washington Nat'l B'k, Boston, 
Commerce Nat'l IVk, Boston, 
Boston & Albany Railroad, 
Boston & Providence Railroad, 
Boston & Lowell Railroad, 



Insurance scrip of other companies, 



Boston & Lowell R.R. note, 
X. E. Mort, Security Co. bond, 
Endorsed notes, . 



Bonds, etc. 

Par value. 
520,000 00 
10,000 00 
20,000 00 
10,000 00 
10,000 00 

5,000 00 
10,000 00 
30,000 00 
30,000 00 

4,000 00 
12,000 00 
10,000 00 
30,000 00 
20,000 00 

3,000 00 
35,000 00 
10,000 00 
30,000 00 

15,000 00 
20,000 00 
12,000 00 
24,000 00 
620 00 



Market value ' 

$23 800 00 
13,000 00 
21,000 00 
10,900 00 
12,100 00 

5,900 00 
11,500 00 
37,800 00 
32,700 00 

4,480 00 
15,120 00 
13,000 00 
37,500 00 
30,600 00 

3,720 00 
39,750 00 
10,800 00 
38,100 00 
17,700 00 
34,600 00 
19,320 00 
24,480 00 
500 00 



$370,620 00 $458,370 00 



Securities held as collateral for cash loans: — 



Market value. 

25,250 00 
1 ,040 00 \ 
7,102 00' 



Loaned thereon. 
25,000 00 

7,500 00 



1882.] 



INSURANCE COMPANIES. 



73 



Burl, and Missouri River R.K. bonds, 

Atch., Top. and S Fe Land Grant bonds, 

Concord & Montreal K.R. bonds, 

Missouri, Kansas & Tex. R.R bonds. . 

250 shares Union Pacific R.R., 

675 " Atch. Top. & Santa Fe R.R., 

Cincinnati city bonds, . 

Union Pacific R. R, bond, 

Burl, and Mo. Riv. R.R. bonds, 

Corporation note9, 

Loans on personal security, . 



Summary of Assets Dec. 

Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash deposited in Columbian Nat'l B'k, 
Interest due and accrued, .... 
Premiums in course of collection (gross), . 
Notes taken for marine and inland risks, . 
Gross assets, - 

♦ 

Liabilities 

Losses claimed and reported, 
Unearned premiums on outstanding risks. 
Interest due or accrued on scrip, . 
Due and accrued for rent, etc., 
Commissions and brokerage, 

Gross liabilities except scrip, 



Market value. 

$5,400 00 

4,560 00 

4,480 00 

20,000 00 

25,625 00 

57,375 00 

3,810 00 

1,025 00 

1,640 00 



31, 1882. 

$458,370 00 

312,645 51 

47,451 83 

2,870 00 

93,752 42 

211,091 40 



Net cash received for marine and inland premiums, 
Int'stand dividends ree'd from all sources, 
Income from profit and loss account 

Gross cash income, 



Expenditures. 

Cash paid for marine and inland losses, 
Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 
Cash paid for redemption of scrip, 



Loaned thereon. 

$12,500 00 

18,000 00 
25,000 00 
50,000 00 

6,000 00 

27,520 00 
141,125 51 

$312,645 51 



$1,126,181 16 



$80,000 00 

186,309 67 

721 80 

1,000 00 

500 00 



Surplus as regards policy holders, .... 
Scrip outstanding, not ordered to be redeemed, . 

Surplus over scrip 

Income. 

Cash received for marine and inl'd prem's, $403,254 42 
Deduct re-insurance and return premiums, 53,819 63 



268.531 47 

$857,649 69 
653,573 00 

$204,076 69 



$349,434 79 

36,598 47 

512 60 

$386,545 86 



$299,003 81 
16,994 74 



$282,009 07 
95,170 00 



74 MASSACHUSETTS MUTUAL MARINE [Deft -81, 



Interest paid scrip-holder.-. . . ... $38,596 80 

Cash paid for commissions and brokerage, . 24,045 64 

for salaries of officers and employes, . . 20,540 00 

for State and local taxes, ..... 6,107 63 

for incidentals, 9,914 52 

Gross cash expenditures, $476,883 66 

Risks and Premiums 

Premiums. 

Marine risks outstanding Dec. 31, 1881, .$9,155,414 00 $189,521 :»> 

written during 1882, . 25,432,251 00 495,768 54 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



$34,587,665 00 $685,292 92 
. 25,071,127 00 490,632 28 



(,516,538 00 
581,878 00 



$194,660 69 
8,351 02 



$8,934,660 00 $186,309 67 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Marine and inland losses incurred during the year, . 



$12,110,000 00 

. 7,765,145 00 

2,464,703 00 

299,003 00 



INDIA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated March 29, 1867. Commenced business May 22, 1867.] 

Whole amount of guaranty fund, $80,000 

80,000 

156,272 



Paid up in subscription notes, 

Outstanding scrip not ordered to be redeemed, 



John H. Dane, President. William L. Caverly, Secretary. 

Office, No. 49 State Street. 

Detailed Statement of Stocks, Bonds, etc 

Par value. Market value. 

United States bonds $5,000 00 $5,975 00 

Old Colony Railroad bonds, . 10,000 00 12,350 00 

Boston and Maine Railroad bonds, . 5,000 00 6,187 00 

Boston and Albany Railroad bonds, . 2,000 00 2,470 00 

Fitchburg Railroad bonds, .... 23,000 00 27,560 00 

New York and New England R. R bonds, . 5,000 00 5,775 00 

Highland Street Railway bonds, . 2,000 00 2,550 00 

Metropolitan Railroad bonds, . . . 7,000 00 7,(527 00 

Boston and Lowell Railroad bonds, . . 5,000 00 5,565 00 

Framingham and Lowell Railroad bonds, . 10,000 I 9,500 00 

Nashua and Rochester Railroad bonds, 15,000 00 15,000 00 

New England Mortgage Security Co., bonds, 6,000 00 6,180 00 



1882.] 



INSURANCE COMPANIES. 



75 



100 shares Boston and Maine R. 11. bonds, 
150 tk Old Colony Railroad bonds, 
7. r » M Boston and Prov. R. R. bonds, 
60 " National Webster Bank, 
l. r > " National Hamilton Bank, . 



Summary of Assets Dec. 

Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 
Cash deposited in Market National Bank, . 
Interest due and accrued, .... 
Notes taken for marine and inland risks. 
Subscription notes on time not exceeding 
twelve months, not yet due, 

GrOSS assets, ...... 



Liabilities 

Losses adjusted, unpaid, 

Losses claimed and reported, 

Unearned premiums on outstanding risks. 

Interest due or accrued on scrip, 

Due and accrued for rent, salaries, etc., 

Gross liabilities, except guaranty fund 
and scrip, 



Surplus as regards policy-holders. 

Guaranty fund, 

Scrip outstanding not ordered to be redeemed, 

Surplus over gu aranty fund and scrip, 

Income. 

Cash recM for marine and inland prem's, . 
Deduct reinsurance and return premiums, 
Net cash rec'd lor marine and iuTd prem's, 
Interest received on bonds and mortgages, 
Income from all other sources, 

Gross cash income 

Expenditures. 
Cash paid for marine and inland losses, 
Deduct salvage and reinsurance, 
Net cash paid for marine and inland losses, 
Interest paid scrip-holders, .... 
Cash paid for commissions and brokerage, . 



Far value. 

* 10,000 00 

15,000 00 

7,500 00 

6,000 00 

1,500 00 



Market value. 

$14,900 00 

20,250 00 

12,000 00 

6,457 00 

1,785 00 



$135,000 00 $162,131 00 

81, 1882. 

$162,131 00 

1,080 87 

10,191 94 

1,197 50 

60,882 '27 

80,000 00 



>3 15,433 58 



$8,800 00 

2,500 00 

56,493 69 

111 78 

625 00 



$80,000 00 
156,272 00 



68,530 47 
$246,903 11 



236,272 00 
$10,631 11 



$93,776 80 
7,005 45 



,771 35 

7,814 89 

90 23 

,676 47 



$59,817 68 
3,399 90 



556,417 78 

56 76 

3,658 81 



76 MASSACHUSETTS MUTUAL MARINE [Dec. 31, 



Cash paid for salaries of officers and employes, 

for State and local taxes, 
rent and incidentals. . 

Gross cash expenditures, 



$10,500 00 

796 64 

4,795 23 



876,225 22 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1881, 
Marine risks written during; 1882, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



$997,953 00 
4,060,824 00 

$5,058,777 00 
4,026,635 00 

$1,032,142 00 
26,750 00 



Premiums. 

$62,257 94 

89,182 19 

$151,410 13 

93,546 67 

$57,893 46 

1,399 77 



$1,005,392 00 $56,493 69 



Miscellaneous. 

Premiums received from organization of company, . . $2,195,977 06 

Losses paid from organization of company, . . . 1,390,168 55 

Marine and inland losses incurred during the year, . . 54,228 11 



1882.] 



INSURANCE COMPANIES. 



11 



AGGREGATE. 



Whole amount of guaranty fund, .... 
in subscription notes, 

of outstanding scrip not cancelled, 



Assets. 



Gross present assets, 



Li abilities 

Gross present liabilities, . 



$80,000 00 

80,000 00 

809,845 00 



1,441,615 00 
$337,061 00 



Income. 
Cash received during the year for marine premiums, . 

for interest and dividends, 

from all other sources, .... 


$436,206 00 

44,413 00 

603 00 


Gross cash income 

Expenditures. 
( 'ash paid during the year for marine losses, 

for brokerage and commissions on premiums, 
for salaries of officers and employes, . 
for State and local taxes, .... 
for redemption of scrip, .... 
for interest p'd to scrip-holders during the y'r, 
for incidental expenses, 


$481,222 00 

$338,427 00 
27,704 00 
31,040 00 
6,905 00 
95,170 00 
38,653 00 
14,710 00 


Gross cash expenditures, 

General Items. 
Marine risks written during the year, .... 
Premiums charged or receivable thereon, 
Marine risks terminated during the year, 
Marine risks outstanding at end of year, 
Marine losses incurred during the year, 
Scrip dividends declared during the year, 


$552,609 00 

$29,493,075 00 

584,951 00 

29,097,762 00 

9,940,052 00 

353,231 00 

105,210 00 



.MASSACHUSETTS 

JOINT-STOCK FIRE, MARINE, AND FIRE-MARINE 

INSURANCE COMPANIES 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year Ending 

December 31, 1882. 



80 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



AMERICAN INSURANCE COMPANY, BOSTON 

[Incorporated June 12, 1818. Commenced business June, 1818.] 

Paid-up Capital, £300,000. 
Francis Peabody, President. J. W. Field, Secretary. 

Office, No. 54 State Street. 



Detailed Statement of Stocks, 

444 shares Old Boston National Bank, 

200 " 

45 ' 

170 " 

142 ' 

62 ' 

100 ' 

152 • 

280 ' 

406 " 

13 " 



' Columbian National Bank, 

National Eagle Bank, 
' Globe National Bank, 
' Hamilton National Bank, . 
1 New England National Bank, 
Suffolk National Bank, 
State National Bank, . 
' National Union Bank, 
1 Boston and Albany Railroad, 
1 Boston and Lowell Railroad, 
8 " Merrimack Manufacturing Co., 
Boston and Albany Railroad bonds, 
Chicago, Burl., and Quincy R. R. bonds, 



Kansas City, St. Jo., and C. B. R. R. bonds, 
Galveston, Harrisb'g, and San An. R.R. b'ds, 
Oregon Railroad bonds, .... 
200 shares Iowa Falls and Sioux City R. R., 



Summary of Assets Dec. 

Cash value of unencumbered real estate, . 

Stocks, bonds, etc., as per schedule, 

Loans on collateral security, as per schedule, 



Bonds, etc. 

Par value. 

$22,200 00 

20,000 00 

4,500 00 

17,000 00 

14,200 00 

6,200 00 

10,000 00 

15,200 00 

28,000 00 

40,600 00 

6,500 00 

8,000 00 

35,000 00 

50,000 00 



Market value. 

$26,529 0i) 

25,250 00 

4,9.05 00 

18,190 00 

16,756 00 

8,060 00 

11,800 00 

18,924 00 

39,480 00 

70,441 00 

6,695 00 

11,160 00 

43,225 00 

41,500 00 



$277,400 00 $342,915 00 



Securities held as collateral for cash loans : — 



Market value. 

$5,675 00 

54,060 00 

8,274 00 

17,700 00 



> 



Loaned thereon. 

$1,100 00 

45,000 00 

9,513 54 



$85,709 00 $58,613 54 

31, 1882. 
$64,000 00 
312,915 00 
58,613 54 



1882.] AND FIRE-MARINE INSURANCE COS. 81 



(ash in the office of the company, 

deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Notes taken from marine and inland risks 
Rents doe and accrued, 
Premiums more than 3 months 

due, $1,105 67 

Gros9 assets, 



$622 74 
40,462 12 

4,177 76 

12,593 98 

45,301 96 

5G0 00 



$578,187 10 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Commissions and brokerage, 
Reinsurance due, ..... 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 



$2,043 63 

30,100 00 

114,410 56 

155 00 

970 35 

3,072 77 



150,752 31 



$127,434 79 
300,000 00 



$127,434 79 



Income. 

Cash received for fire premiums, . . $79,585 78 

Deduct reinsurance and return premiums, . 8,428 14 

Net cash received for fire premiums, . . 

Cash ree'd for marine and inland premiums, $129,313 16 

Deduct reinsurance and return premiums, . 13,368 39 

Net cash ree'd for marine and inTd premiums, 

Interest and dividends rec\l from all sources, 

Income from rents, 



$71,157 64 



115,944 77 

17,658 82 

1,683 99 



Gross cash income, 



$206,445 22 



Expenditures. 

Cash paid for fire losses, .... 
Cash paid for marine and inland losses, 
Deduct salvage and reinsurance, 
Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, 



$99,363 66 
6,263 57 



28,217 75 



93,100 09 
30,030 00 
20,426 83 
14,567 27 
5,864 34 
8,011 00 



$200,217 28 



82 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, . 
Fire risks written daring 1882, 

Total, 

Deduct risks expired and terminated, . 

] force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



. $9,561,509 00 
. 11,376,187 00 

§20,937,696 00 
, 10,033,311 00 

$10,904,385 00 
517,309 00 



rremiums. 

$78,081 02 
80,4-14 91 

\ 158,528 93 

63,013 36 

$95,515 57 
4,692 73 



$10,387,076 00 $90,822 84 

, $5,341,496 00 $84,976 31 

. 6,805,957 00 97,547 75 

_ — — - >. 

$12,147,453 00 $182,524 06 

7,141,121 00 112,450 12 

$5,006,329 00 $70,073 94 

5,000 00 450 00 

$5,001,329 00 $69,623 94 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, .... 



£8,340,000 00 
5,941,000 00 
2,595,000 00 
30,000 00 
23,154 21 
99,632 32 
13,800 00 



BEVERLY INSURANCE COMPANY, BEVERLY. 

[Incorporated March 30, 1852. Commenced business Jan., 1853.] 

Paid-up Capital, $50,000. 

Charles A. Fuller, President. Elisha Wiiitney, Secretary. 



Detailed Statement of Stocks, 

126 shares Beverly National Bank, . . | 
80 
67 
50 

5 
17 
20 
30 

5 

2 

1 



" Naumkeag Nat't Bank, Salem, . 

" Merchants 1 Nat'l Bank, Salem, . 

" Mercantile Nat'l Bank, Salem, . 

" First National Bank, Salem, 

" Grand Nat'l Bank, Marblehead, . 

" Hide & Leather N'l B'k, Boston, 

" Revere Nat'l Bank, Boston, 
Eagle Nat'l Bank, Boston, . 

" Merchants' Nat'l Bank, Boston, . 

share Ports., Gt. Falls & Conway R.R., 



Bonds, etc. 

Par value. 

12,600 00 

8,000 00 

3,350 00 

5,000 00 

500 00 

1,700 00 

2,000 00 

3,000 00 

500 00 

200 00 

100 00 



Market value. 

$15,750 00 

13,000 00 

4,690 00 

6,100 00 

610 00 

2,074 00 

2,140 00 

3,420 00 

541 25 

279 50 

25 00 



$36,950 00 $ 18,629 75 



18,629 75 




84 7:* 




10,549 30 




600 00 




46 00 




1,605 00 






$61,514 78 



1882.] AND FIRE-MARINE INSURANCE COS. 83 

Summakx of Assets Dec. 31, 1882. 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 

deposited in Maverick Nat'l Rank, 
Interest due and accrued, .... 
Premiums in course of collection (net), 
Note- taken for marine and inland risks, 
Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks, . $8,912 89 

Gross liabilities, except capital, . . 8,912 89 

Surplus as regards policy-holders, .... $52,601 89 
Paid-up capital, 50,000 00 

Surplus over capital, $2,601 89 

Income. 

Cash received from marine and inPd prem's, 
•Deduct reinsurance and return premiums, 

Net cash received from marine and inl'd prom's, 
Interest and dividends received from all sources, 
Income from salvage, 

Gross cash income, $15,946 29 

Expenditures. 

Cash paid for marine and inland losses, 
Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 
Cash paid for commissions and brokerage, . 

for State and local taxes, 

for incidentals, . . 

Gross cash expenditures, $3,615 65 

Risks and Premiums. 

Premiums. 

Marine risks written during 1882, . . $527,878 00 $13,158 42 
Deduct risks expired and terminated, . 405,632 00 4,245 53 



$11,515 99 
106 42 




s, 
s, 


$11,409 57 
2,261 04 
2,275 68 



$8,197 30 




5,680 99 




• • • 


$2,516 31 


. 


918 51 


. 


20 57 


. 


160 26 



In force at end of year, .... $122,24600 $8,91289 

Miscellaneous. 

Premiums received from organization of company, . . $376,054 86 

Losses paid from organization of company, . . . 329,417 64 

Cash dividends declared from organization of company, . 58,250 00 

Marine and inland losses incurred during the year, . . 4,791 99 



84 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 
BOSTON MARINE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 23, 1873. Commenced business Jan. 20, 1874.] 

Paid-up Capital, $1,000,000. 

Ransom B. Fuller, President. Thomas H. Lord, Secretary. 

Office, No. 1 7 State Street. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Atlantic and Pacific Railroad bonds, . 
Boston city bonds, .... 

New Mexico and So. Pacific Railroad bonds 
Cambridge city bonds, 
Toledo, Cincinnati and St. Louis R.R. bonds 
Boston and Albany Railroad bonds, 
Iron Railroad Company bond, 
Bangor city bonds, .... 
Toledo, Delphos and Burl. R. R. bonds, 
Louisville, N. Albany, and St. L. R. R. bonds 
Chicago, Burl., and Quincy R. R. bonds, 
Spring Grove, Avondale, and Cinn. R.R. b'ds 
Southern Ohio Coal and Iron Co. bonds, 
Atlantic and Pacific Railroad bonds, . 
Atch., Top., and S. Fe Railroad stock, 
Chicago, Burl., and Quincy R. R. stock, 
Union Pacific Railroad stock, 
Merchandise National Bank stock, 
Hoosac Tunnel Dock and Elevator Co. stock 
Toledo and Delphos Trust certificates, 
Louisville, Evansville, and St. L. Trust cert 



Par value. 

$200,000 00 

100,000 00 

75,000 00 

30,000 00 

27,000 00 

57,000 00 

20,000 00 

25,000 00 

10,000 00 

21,000 00 

10,000 00 

7,000 00 

2,000 00 

1,000 00 

12,500 00 

172,500 00 

62,700 00 

57,000 00 

20,000 00 

5,000 00 

50,000 00 

3,000 00 



Market value. 

£233,375 00 

94,000 00 

89,812 50 

33,600 00 

27,371 25 

30,100 00 

24,675 00 

20,000 00 

11,325 00 

15,300 00 

8,000 00 

5,810 00 

1,600 00 

850 00 

2,125 00 

147,918 75 

70,885 88 

58,353 75 

19,600 00 

5,000 00 

30,000 00 

2,500 00 



$967,700 00 $938,202 13 



Securities held as collateral for cash loans : — 



500 shares Union Pacific Railroad, 
230 " Chicago, Burl., and Quincy R. R 
Chicago, Burl., and Quincy Railroad b'ds, 
270 shares Detroit, Hillsdale and S. W. R. R 
10 " Beverly Insurance Company, 
10 " American Fire Hose MTg. Co. 
joo " Hallowell Granite Company, 
Toledo, Del., and Burl. R. R. bonds, . 
100 shares China Manufacturing Company 
100 " Pembroke Mills Company, . 
Mexican Central Railroad bonds, 
1O0 shares Hallowell Granite Company, 



Market value. 

$51,187 50 

28,203 75 

2,490 00 

18,900 00 

1,000 00 

1,500 00 

30,000 00 

25,000 00 

10,000 00 

10,000 00 

31,500 00 

15,000 00 



> 



Loaned thereon. 

$50,000 00 
$30,000 00 



20,000 00 

20,000 00 
19,050 00 

15,000 00 

25,000 00 
10,000 00 



1882.] AXD FIRE-MARINE INSURANCE COS. 85 



100 shares American Loan and Trust Co. 

87 " Bodwell Granite Company, 
Iowa Central Railroad bonds, 
173 shares Iowa Central bonds, . 

50 " Bodwell Granite Company, 
New Mexico and So. Pacific R. R. bonds, 
New Mexico and So. Pacific R. R. bonds, 
Pueblo and Arkansas Val. R. R. bonds, 
50 shares American Fire Hose M'f 7 g. Co., 
70 " Union Pacific Railroad, 
50 " Boston and Bangor S. S. Co., 
50 " South Boston Gas-Light Co., 
30 " Mystic Rubber Company, 
20 " American Fire Hose MTg Co. 
Sioux City first mortgage bonds, 
50 shares Simpson Dry Dock, 
15 " National Bank Republic, 
Atchinson,Topeka and S. Fe R. R. bonds, 
10 shares South Boston Gas-Light Co., 



Market value. 

$10,200 00 
17,400 00 
11,900 00 
7,785 00 
10,000 00 
5,600 00 
4,480 00 
1,120 00 
7,500 00 
7,166 25 
4,500 00 
5,500 00 
4,500 00 
3,000 00 
2,240 00 
2,500 00 
1,878 75 
1,800 00 
1,100 00 



} 



Loaned thereon. 

$10,000 00 
8,300 00 
8,000 00 
5,000 00 
5,000 00 
5,000 00 

5,000 00 

5,000 00 
5,000 00 
3,500 00 
3,000 00 
2,500 00 
2,000 00 
2,000 00 
2,000 00 
1,500 00 
1,500 00 
1,000 00 



$334,951 25 $264,350 00 



Summary of Assets Dec. 31, 1882. 

Loans on mortgage of real estate (first liens), $101,500 00 
Stocks, bonds, etc., as per schedule, . . 938,202 13 
Loans on collateral security, as per schedule, 264,350 00 
Cash deposited in various banks, . . 365,262 18 
Interest due and accrued, .... 4,961 41 
Premiums in course of collection (gross), . 122,030 14 
Notes taken for marine and inland risks, . 519,313 55 
Gross assets, 



§2,315,619 41 



Liabilities. 
Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$3,532 65 

\ 249,450 00 

621,548 21 



874,530 86 



Surplus over capital, . 

Income. 
Cash received for marine and inl'd prem's, . $1,373,316 52 
Deduct reinsurance and return premiums, . 200,314 72 

Net cash received for marine and inl'd prem's, 

Interest and dividends ree'd from all sources, 

Gross cash income, 



>1 ,44 1,088 55 
1,000,000 00 

$141,088 55 



,173,001 80 
88,066 42 

1,261,068 22 



86 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Expenditures. 
Cash paid Tor marine and inland losses, . $1,099,395 89 
Deduct salvage and reinsurance, . . 159,204 99 

Net cash paid for marine and inland losses, 

Cash dividends paid, ...... 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, . 

for State and local taxes, . 

for incidentals, 



Gross cash expenditures, 

Risks and Premiums. 



$040,190 90 
100,000 00 
81,466 66 
59,289 46 
25,571 95 
50,033 08 

$1,256,552 05 



Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



Premiums. 

$14,123,115 00 $675,828 59 
. 92,945,593 00 1,404,001 12 



$107,068,708 00 $2,079,829 71 
96,279,677 00 1,428,403 99 



$10,789,031 00 $651,425 72 
954,921 00 29,877 51 



),834,110 00 $621,548 21 



Miscellaneous. 

Premiums received from organization of company, . . $8,405,019 23 

Losses paid from organization of company, . . . 5,111,238 99 

Cash dividends declared from organization of company, . 430,000 00 

Dividends declared during the year (10 per cent.), . . 100,000 00 

Marine and inland losses incurred during the year, . . 1,064,771 07 

Company's stock owned by directors, .... 181,70000 



BOYLSTON MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 26, 1872. Commenced business Jan. 8, 1873.] 

Paid-up Capital, $557,200. 

Office, 30 Kilby Street. 

Joseph W. Balch, President. Washington Glover, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

250 shares Merchants' Nat'l Bank, Boston, . $25,000 00 1,000 00 

200 " State National Bank, Boston, . 20,000 00 24,800 00 

100 " Merchandise Nat'l B'k, Boston, , 10,000 00 9,800 00 

300 " Republic Natl Bank, Boston, . 30,000 00 37,500 00 

300 " Washington Nat'l Bank, Boston, 30,000 00 38,100 00 

300 " Columbian Nat'l Bank, Boston, . 30,000 00 87,800 00 

200 " Tremont Nat'l Bank, Boston, . 20,000 00 23,000 00 

17 " New England NaL'l B'k, Boston, 1,700 00 2,210 00 



1882.] AND FIRE MARINE INSURANCE COS. 87 



67 shares Revere National Bank, Boston, 
50 " Boston & Albany Railroad, 
300 " Boston & Providence Railroad, 
250 " Fitchburg Railroad, . 
Boston & Providence Railroad bonds, 
Framing-ham «fc Lowell Railroad bonds, 
Cedar Rapids ft Missouri River R.R. bonds, 
New England Mortgage Security Co. bonds, 
United States bonds, 



Par value. 
$6,700 00 
5,000 00 
30,000 00 
25,000 00 
100,000 00 
25,000 00 
15,500 00 
10,000 00 
51,000 00 



Market value. 

$7,571 00 

8,650 00 

48,300 00 

31,250 00 

124,000 00 

23,000 00 

17,320 00 

10,300 00 

57,630 00 



$434,900 00 $-335,231 00 



Securities held as collateral for cash loans : — 



5 shares Boston & Providence R.R., 
100 " First Natl B'k, ( oncord, N. II., 
188 " Ocean Mills Co., . 

74 " Davol Mills, 
Tol., Cin. and St. Louis R.R. bonds, 
Atch., Top. and S. Fe U.K. bonds, 
Chic. & W. Mich. R.R bonds, . 
105 shares Roxbury Mills Corporation 
150 " Lake Superior Iron Co , 

52 " Ocean Mills Corporation, 
Eastern Railroad bonds, 
United States bonds, 
Cairo city bonds, .... 
Chic, Burl, and Quincv R R. bonds, 
181 shares Ced. Rapids Sz Mo. R. R.R., 
Chic, Burl. & Qnincy R.R. bonds, 
Fremont, Elkhorn, Mo. Val. R.R. bonds, 
37 shares Merchandise National Bank, 
25 " Laramie National Bank, 
10 " American Loan and Trust Co., 



Summary of Assets, Dec. 
Cash value of unencumbered real estate, 
Loans on mort of real estate (first liens*), . 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 

deposited in Washington Nat'l B'k, 



Market value. 

$800 00 
17,500 00 
13,160 00^ 
7,030 00 I 
2,200 00 J 
20,400 00 a 
4,500 00 / 
9,975 00 a 
9,750 00 I 
3,640 00 J 
6,570 00 > 
1,130 00 | 
1,900 00 , 
1,700 00 J 
18,824 00 
6,275 00 
8,080 00 
3,626 00 
3,125 00 ; 
1,000 00 ! 



Loaned thereon. 

$ too .00 
13,000 00 

20,000 00 
20,000 00 

18,000 00 

j> 10,000 00 

15,000 00 
5,000 00 
5,000 00 
3,000 00 

3,500 00 



$141,185 00 $112,900 00 

31, 1882. 

$20,000 00 
174,000 00 

3,216 84 
535,231 00 
112,900 00 

7,274 19 
56,215 25 



* Value of lands mortgaged, .... $194,50000 
Value of buildings thereon, .... 146,30000 
Amount of insurance held as collateral, . 132,500 00 



88 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Interest due and accrued, .... $1,84808 

Premiums in course of collection (gross), . 44,215 45 

Notes taken for marine and inland risks, . 25,819 63 

Gross assets, 



$980,720 44 



Liabilities. 

Losses claimed and reported, . . . $27,2.50 00 

disputed or resisted, .... 20,000 00 

Unearned premiums on outstanding risks, . 165,700 10 

Interest due or accrued on scrip, . . 1,086 60 

Due or accrued for rent, salaries, etc., . 1,525 00 

Commissions and brokerage, . . . 3,100 00 

Return premiums, 350 00 

Gross liabilities, except guaranty fund and scrip, 

Surplus as regards policy-holders, .... 

Guaranty fund, $557,200 00 

Scrip outstanding, not ordered to be red'm'd, 78,410 00 



Surplus over guaranty fund and scrip, 

Income. 

Cash received for fire premiums, . . $228,176 62 

Deduct reinsurance and return premiums, . 39,208 62 

Net cash received for fire premiums, . 

Cash received for marine and inl'd prem's, . $237,656 31 
Deduct reinsurance and return premiums, . 47,008 39 

Net cash ree'd from marine and inl'd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Gross cash income, 



Expenditures. 

Cash paid for fire losses, .... $82,622 46 
Deduct salvage and reinsurance, . . . 4,460 66 

Net cash paid for fire losses, . . . 

Cash paid for marine and inland losses, . $205,030 67 
Deduct salvage and reinsurance, . . 52,120 87 

Net cash paid for marine and inland losses, 

Interest paid scrip-holders, .... 
Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, . 

for rent and incidentals, 



219,071 70 
$761,648 74 

635,610 00 
$126,0,38 74 



$188,968 00 



190,647 92 

9,118 75 

30,239 27 

550 00 

$419,523 94 



$78,161 80 



152,909 80 

4,195 20 

51,880 90 

25,819 30 

9,793 41 

24,758 12 



Gross cash expenditures, 



$347,018 53 



1882. AND FIRE-MARINE INSURANCE COS. 89 



Fire risks outstanding Doc 81, 
written during 1882, 



Risks and Premiums. 

$18,034,055 00 
. l' - ) 00 



Premiums. 

3 12 
252*544 52 



Total 

Deduct risks expired and terminated, 

In force at end of year, 

Deduct amount reinsured, 



Net amount in force, 

Marine risks outstanding Dec. 31, I 
written during l£- 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



$44,678,445 00 
. 19,047,939 00 

00 
. 1,053,246 

$24 00 

. $1. . 00 

,788 00 

$26,131,408 00 

n oo 

. $1,186,481 00 

_ .: B 00 



; 

160,251 


64 
06 


11,779 


58 

80 


$267,376 


78 


$38,230 70 

22; 


M 


09 
11 


$31 

1 


98 
64 



$935,723 00 $27,993 34 



Miscellaneous. 

Premiums received from organization of company, . . $ 18 57 

L ss s paid from organization of company, . . 55 67 

Cash dividends declared from organization of company, . 631,072 00 

losses incurred during the year, 85,661 80 

Marine and inland losses incurred during the year, . . 133,659 80 

Company's stock owned by directors, .... 22,10000 



DWELLING-HOUSE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 30, 1872. Commenced business Jan. 9, 1873.] 

Paid-up Capital, §300,000. 

Arthur Wm. Hobart, President. Henry F. Perkins, Secretary. 

Office, No. 29 State Street. 



Detailed Statement of Stocks, Bonds, etc. 



-hares Second National Bank, 
" Merchants' National Bank, 
100 " Republic National Bank, 
100 " State National Bank, . 
100 " Suffolk National Bank, 
100 " Atlas National Bank, . 

Howard National Bank, 
69 " Hide and Leather National Bank, 



Par value. 

§10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

•6,900 00 



Market value. 

815,350 00 
13,700 00 
12,525 00 
12,475 00 
11,950 0) 
12,175 00 
12,025 00 
7,564 00 



90 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



50 shares New England National Bank, 
50 M City National Bank, 
50 " Redemption National Bank, 
4-4 " Union National Bank, . 
30 " Eagle National Bank, . 
7 " Tremont National Bank, 
Boston and Maine Railroad bonds, 
Boston and Albany Railroad bonds, 
Boston and Providence Railroad bonds, 
Old Colony Railroad bonds, 
Boston and Lowell Railroad bonds, 
Fitchburg Railroad bonds, . 
Vermont and Massachusetts Railroad bonds, 

" stock, 
Eastern Railroad bonds, . 
Revere town bonds, 



Par value. 

$5,000 00 

5,000 00 

5,000 00 

4,400 00 

3,000 00 

700 00 

10,000 00 

10,000 00 

10,000 00 

20,000 00 

10,000 00 

8,000 00 

5,000 00 

5,000 00 

5,000 00 

12,000 00 



Market value. 

$6,500 00 

5,925 00 

6,500 00 

6,204 00 

3,300 00 

805 00 

12,400 00 

12,400 00 

12,400 00 

24,025 00 

11,200 00 

9,920 00 

6,650 00 

6,650 00 

5,475 00 

13,200 00 



$195,000 00 $241,318 00 



Summary of Assets Dec. 31, 1882. 



Cash value of unencumbered real estate, . 
Loans on mort of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), . 
Gross assets, 

Liabilities. 
Unearned premiums on outstanding risks, . 
Reclaimable on perpetual fire policies, 
Dividends to stockholders unpaid, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 

Income. 

Cash received for fire premiums, 
Deduct reinsurance and return premiums, . 
Net cash received for fire premiums, . 
Interest received on bonds and mortgages, 



$12,000 00 

71,450 00 

989 37 

241,318 00 

7,785 81 

8,613 02 

1,210 00 

681 75 



$65,909 84 

171 00 

1,404 00 



$374,047 95 



67,544 84 

§306,503 11 
300,000 00 

$G,503 11 



143,153 78 
4,053 09 



39,100 69 
5,802 03 



* Value of lands mortgaged, 
Value of buildings thereon, 

Amount of insurance, held as collateral, 



$57,200 00 
101,500 00 

85,500 00 



1882.] AND FIRE-MARINE INSURANCE COS. 91 



Interest and dividends received from all other sources, 
Income from rents, 

Commissions, 

Gross cash income, 

Expenditures. 
Cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

salaries of officers and employe's, 

State and local taxes, 

rent and incidentals, 

Gross cash expenditures, 

Risks and Premiums. 



$12,346 80 
246 33 
470 53 

$57,966 38 

7,195 73 
23,856 00 

9,946 87 
9,600 00 
6,226 12 
5,673 17 



Fire risks outstanding Dec. 81, 1881, 
Fire risks written during 1882, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$16,487,575 00 
. 6,136,207 00 



$62,497 89 

Premiums. 

•124,730 65 
43,347 18 



f 22,623,782 00 $168,077 83 
. 3,992,170 00 28,7 45 92 



$18,631,612 00 |139,331 91 

58,750 00 239 81 



$18,572,862 00 $139,092 10 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



§344,587 41 

62,035 41 

195,000 00 

24,000 00 

6,193 73 

40,000 00 



ELIOT INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 31, 1872. Commenced business Jan. 4, 1873.] 

Paid-up Capital, §200,000. 

George A. Curtis, President. Greenleaf C. George, Secretary. 

Office, 63 State Street. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

Worcester and Nashua Railroad bonds, . $15,000 00 $15,150 00 

Fitchburg Railroad bonds, .... 25,000 00 27,250 00 

Northampton town bonds 20,000 00 23,200 00 

Boston city bonds, 25,000 00 29,725 00 



92 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



United States bonds, .... 
Massachusetts State bonds, . 
1C5 shares Fitchburg Railroad, 

25 " Norwich and Worcester 11. R., 

50 " Old Colony Railroad, . 

50 " Vermont and Mass. Railroad, 
100 " Shawmut National bank, . 

37 " National Revere Bank, 



Par value. 

$95,000 00 

15,000 00 

16,500 00 

2,500 00 

5,000 00 

5,000 00 

10,000 00 

3,700 00 



Market value. 

107,350 00 

16,350 00 

20,066 25 

3,950 00 

6,712 50 

6,550 00 

11,000 00 

4,181 00 



$237,700 00 $272,084 75 



Securities held as collateral for cash loans : — 

Market value. 

25 shares Equitable Trust Company, . . $1,875 00 

Summary of Assets Dec. 31, 1882. 

Loans on mortgage of real estate (first liens*), $ 69,500 00 

Interest due or accrued thereon, . . . 3,059 55 

Slocks, bonds, etc., as per schedule, . . 272,084 75 

Loans on collateral security, as per schedule, 1,500 00 

Cash in the office of the company, . . 3,466 56 

Cash deposited in National City Bank, . 42,384 24 

Interest due and accrued, .... 3,050 00 

Premiums in course of collection (gross), . 17,414 44 

Gross assets, 



Loaned thereon. 

$1,500 00 



Liabilities. 

Losses claimed and reported, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., 
State and local taxes, .... 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$112,459 54 



$11,515 00 

82,780 75 

150 00 

875 00 

1,000 00 

2,000 00 



98,320 75 

$314,138 79 

200,000 00 

$114,138 79 



Surplus over capital, 

Income. 

( 'ash received for fire premiums, . . $158,103 34 

Deduct reinsurance and return premiums, . 27,517 82 

Net cash received for fire premiums, . . $130,585 52 

Interest received on bonds and mortgages, . . . . 4,160 00 

Interest and dividends received from all other sources, . 14,803 64 

Income from all other sources, 268 46 

Gross cash income, $149,817 62 



* Value of lands mortgaged, . 

V.iinc of bofldlngi thereon, . 

Amount of insurance held as collateral, 



$54,300 

56,300 
G8.500 



L882.] AND FIRE-MAEINE INSURANCE COS. 93 



Expenditures. 
Cash paid for fire loss .... $96,14959 

Deduct Balvage and reinsurance, . . . 5,421 55 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage. . 

tor salaries of officers and employes, 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, 



$90,728 04 
19,850 00 
2:5.772 10 
16,000 00 
5,063 68 
12,877 79 

8168,291 61 



Fire risks outstanding Dee. 81, 1881, 
Fire risks written during 1882, 



Risks and Premiums. 

Premiums. 

$13,400,730 00 $162,654 62 

14,173,125 00 159,765 H 



Total, 

Deduct risks expired and terminated, 

In force at end of year. 
Deduct amount reinsured, . 

Net amount in force, 



$27,573,855 00 $322,419 76 
13,870,161 00 150,877 74 



$13,703,694 00 $171,542 02 
511,319 00 6,919 74 



813,192,375 00 $164,622 28 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$1,090,193 27 

457,029 22 

170,000 00 

20,000 00 

80,839 0-4 

2),000 00 



EQUITABLE MARINE INSURANCE COMPANY, PROYINCE- 

TOWN. 

I Incorporated TS45. Commenced business 1S46.] 

Paid-up Capital, 850,000. 

Joshua Paine, President. Lewis Nickerson, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



80 shares Freeman's Nat'l Bank, Boston, 
45 " Republic National Bank, Boston, 
16 " Hide & Leather Nat'l B'k, Boston, 
15 " Revere National Bank, Boston, . 
15 " Traders' National Bank, Boston, 
15 " State National Bank, Boston, 



Par value. 

88,000 00 
4,500 00 
1,600 00 
1,500 00 
1,500 00 
1,500 00 



Market value. 

89,920 00 
5,805 00 
1,884 00 
1,833 75 
1,275 00 
1.875 00 



94 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



shares First Nat'] Bank, Provincetown, 

16 " Boston and Albany Railroad, 

Old Colony Railroad bonds, 
Brookline town bonds, .... 
Melrose town bonds, .... 
Arlington town bonds, .... 



Tar value. 

$6,500 00 
1,600 00 
5,000 00 
3,000 00 
3,000 00 
2,000 00 



Market value. 

$9,750 00 
2,736. 00 
6,1575 00 
3,660 00 
3,780 00 
2,360 00 



$39,700 00 §51,253 75 



Summary of Assets Dec. 31, 1882. 

Stocks, bonds, etc., as per schedule, . . $51,253 75 

Cash in the office of the company, . . 106 05 

Cash deposited in various banks, . . 17,517 52 

Premiums in course of collection (gross), . 6,660 55 

Notes taken for marine and inland risks, . 20,943 65 

Gross assets, 



$96,481 52 



Liabilities. 

Losses claimed and reported, 
Unearned premiums on outstanding risks, . 
Dividends to stockholders unpaid, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



$500 00 
20,943 65 
10,000 00 



Surplus over capital, 



31,443 65 

$65,037 87 
50,000 00 

$15,037 87 



Income. 

( 'ash received for marine and inl'd prem's, . $29,101 77 
Deduct reinsurance and return premiums, . 806 14 

Net cash rec'd for marine and inland prem's, 

Interest and dividends received from all sources, 

Gross cash income, 



Expenditures. 

Net cash paid for marine and inland losses, 

( "ash dividends paid, 

Cash paid for commissions and brokerage, 

salaries of officers and employes, 

State and local taxes, 

incidentals, 



$28,295 63 
2,591 73 

§30,887 36 



§6,609 21 

3,000 00 

1,426 74 

1,200 00 

409 00 

333 01 



Gross cash expenditures, 



$12,977 96 



1882.] AND FIRE-MARINE INSURANCE COS. 95 



Risks and Premiums. 



Marino risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$280,018 00 
633,945 00 

$910,963 00 
609,309 00 

$310,654 00 
3,200 00 



Miscellaneous. 

Premiums received from reorganization of company, 
Losses paid from reorganization of company, 
Cash dividends declared from reorganization of company 
Dividends declared during the year (20 per cent), 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



rrcmiums. 

$19,910 21 
30,286 00 

$50,196 21 
29,156 56 

$21,039 65 
96 00 



$307,454 00 $20,943 65 



$11,469 53 

10,606 20 

13,000 00 

10,000 00 

7,109 21 

8,000 00 



FIREMEN'S FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 21, 1872. Commenced business Dec. 31, 1872.] 

Paid-up Capital, $300,000. 

Thomas W. Tucker, President. Henry C. Short, Secretary 

Office, No. 48 Congress Street. 



Detailed Statement of 

Boston city bonds, 
Charlestown city bonds, 
Lowell city bonds, 
Chelsea city bonds, 
Somerville city bonds, . 
Fall River city bonds, . 
Cambridge city bonds, . 
Lawrence city bonds, . 
Providence city bonds, . 
Eastern Railroad bonds, 
Worcester So Nashua R.R. bonds, 
200 shares National City Bank, . 
200 " Hamilton National Bank, 
Brookline Gas-Light Co. loan, 
Hamilton Woollen Co. loan, 
Fisher Manuf. Co. loan, 
Continental Mills loan, 
Manchester Mills loan, 



Stocks, Bonds, etc. 

Par value. 

$20,000 00 
63,000 00 
15,000 00 
4,000 00 
10,000 00 
30,000 00 
12,000 00 
18,000 00 
10,000 00 
22,500 00 
10,000 00 
20,000 00 
20,000 00 
15,000 00 
25,000 00 
30,000 00 
35,000 00 
25,000 00 



Market value. 

$23,800 00 
71,080 00 
17,100 00 
4,560 00 
10,400 00 
36,600 00 
12,740 00 
20,510 00 
10,100 00 
24,525 00 
10,000 00 
23,200 00 
23,400 00 
14,964 58 
24,916 67 
29,858 33 
34,538 19 
24,656 94 



96 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Freeman Manuf. Co. loan, 
Washington Mills loan, 
United States bonds, 



Par value. 

$30,000 00 
32,000 00 
73,000 00 



Market value. 

$29,575 00 
32,142 23 
79,190 00 



$519,500 00 $557,856 94 
Securities held as collateral for cash loans : — 



10 shares Randolph National Bank, 
100 " Atlantic Cotton Mills, . 



Market value. 

$1,800 00 
15,000 00 



Loaned thereon 

$1,000 00 
10,000 00 



$16,800 00 $11,000 00 



Summary of Assets Dec. 31, 1882. 
Loans on mortgage of real estate (first liens*), $183,000 00 

Interest due or accrued thereon, . . . 2,631 56 

Stocks, bonds, etc., as per schedule, . . 557,856 94 

Loans on collateral security, as per schedule, 11,000 00 

Cash in the office of the company, . . 562 83 

deposited in bank, .... 3,836 61 

Interest due and accrued, .... 4,231 36 

Premiums in course of collection (gross), . 12,944 21 
Premiums more than 3 mos. due, $118 80, 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... $2,907 82 

claimed and reported, . . . 4,234 34 

Unearned premiums on outstanding risks, 112,555 62 

Dividends to stockholders unpaid, . . 815 00 

State and local taxes, 1,000 00 

Commissions and brokerage, . . . 741 48 

Reinsurance, 69 88 

Rent, advertising, etc., 975 00 

Gross liabilities, except capital, . . 

Surplus as regards policy-holders, .... 
Paid-up capital, 



$776,063 51 



123,299 14 

$652,764 37 
300,000 00 

$352,764 37 



Surplus over capital, 

Income. 

('ash received for fire premiums, . . . $152,420 08 
Deduct reinsurance and return premiums, . 15,612 44 

Net casfa received for lire premiums, . . $136,807 64 

Interest received on bonds and mortgages, . . 10,044 50 

In'eivsl and dividends received from all other sources, . 26,369 38 
Income from repayment, , 500 00 

Cross cash income, $173,721 52 



* Value of lands mortgaged $169,100 00 

Value of buildings thereon 17.3,700 00 

Amount of insurance held as collateral, . 182,600 00 



1882.] AND FIRE-MARINE INSURANCE COS. 97 



Expenditures. 

Cash paid for (ire losses $92,600 91 

Deduct salvage and reinsurance, . . 4,192 23 

Net cash paid for tire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, . 

for rent and incidentals, 

Gross cash expenditures, .... 



$88,408 68 
29,540 00 
19,399 60 
12,725 00 
9,721 90 
14,267 95 

$174,063 13 



Fire risks outstanding Dec. 31, 1881, 
written during 1882, . 



Risks and Premiums. 

rremiums. 

120,169,354 00 $227,783 08 
. 14,492,074 00 153,098 08 



Total 

Deduct ri.^ks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



134,661,428 00 $380,881 16 
. 13,808,798 00 143,135 56 



$20,852,630 00 $237,745 60 
115,139 00 1,641 07 



$20,737,491 00 $236,104 53 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$1,409,892 66 

623,150 40 

255,000 00 

30,000 00 

89,224 84 

15,900 00 



FIRST NATIONAL FIRE INSURANCE COMPANY, WORCESTER. 

[Incorporated April, 186S. Commenced business Jan. 1, 1869.] 

Paid-up Capital, $200,000. 

Chas. B. Pratt, President. R. James Tatman, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

City of Springfield bonds, .... $6,000 00 $7,980 00 

of New London bonds, . . . 10,000 00 13,000 00 

of Worcester bonds, .... 3,500 00 4,130 00 

Boston, Barre, and Gardner Railroad bonds, 20,500 00 23,985 00 

Nashua and Rochester Railroad bonds, . 11,000 00 11,110 00 

Worcester and Nashua Railroad bonds, . 500 00 505 00 

United States bonds, 3,000 00 3,573 75 



98 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Norwich and Worcester Railroad stock, 
Boston and Albany Railroad stock, 
Boston and Lowell Railroad stock, 
Providence and Worcester Railroad stock, 
L< Icester National Bank stock, . 
First National Bank stock, . 
Worcester S. D. and T. Co, . 



Par value. 
15,000 00 
2,000 00 
1,000 00 
3,000 00 
3,500 00 

12,000 00 
7,000 00 



Market value. 

$8,000 00 
3,460 00 
1,000 00 
4,020 00 
4,200 00 

19,200 00 
8,400 00 



$88,000 00 $112,563 75 



Summary of Assets Dec. 31, 1882. 



Loans on mort. of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Cash in the office oi the company, 

deposited in First National Bank, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Rents due and accrued, 

Gross assets, ..... 

Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

Total amount of losses, 

Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$128,031 50 

2,279 18 

112,563 75 

2,674 42 

17,941 13 

657 91 

9,923 64 

19 44 



$274,090 97 



$12,380 02 
10,530 00 

$22,910 02 
1,726 81 



21,183 21 

41,294 39 

1,984 72 



64,462 32 

. $209,628 65 
200,000 00 

Surplus over capital, $9,628 65 

Income. 

Cash received for fire premiums, . . $107,287 11 

Deduct reinsurance and return premiums, . 18,891 00 

Net cash received for fire premiums, . . $88,396 11 

Interest received on bonds and mortgages, .... 6,932 65 

Interest and dividends received from all other sources, . 6,701 62 

Income from commissions and profits, .... 3,800 00 

Gross cash income, $105,830 38 



♦Total value of property mortgaged, . . $269,800 00 
Amount of insurance held an collateral, . 73,530 00 



1882.] AND FIRE-MARINE INSURANCE 

Expenditures. 



COS. 99 



Cash paid for fire losses, ( 

Deduct salvage and reinsurance, 

Net cash paid for lire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, 
for Stite and local taxes, . 
for incidentals, .... 

Gross casli expenditures, 

Risks and Premiums. 



176,199 74 
5,684 51 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$7,530,160 00 
8,712,443 00 

$16,242,603 00 
9,110,685 00 

$7,131,918 00 
896,305 00 



$70,515 23 
6,000 00 
20,332 06 
6,500 00 
5,121 27 
5,074 45 

$113,543 01 



Premiums. 

$100,558 30 
103,278 92 

$203,837 22 
109,777 98 

$94,059 24 
10,482 25 



$(3,235,613 00 $83,576 99 



Miscellaneous. 
Premium*! rcc -ived from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends de 1 ired during the year (3 per cent.), 
Fire loss s incurred during the year, .... 
Company's stock owned by directors, 



$1,669,835 48 

1,071,442 01 

98,000 00 

6,000 00 

83,230 29 

70,900 00 



GLOUCESTER FIRE INSURANCE COMPANY, GLOUCESTER. 

[Incorporated May 15, 1869. Commenced business March 28, 1870.] 

Paid-up Capital, $100,000. 

Robert R Fears, President. John Cunningham, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



44 shares Gloucester National Bank, 



100 " 

20 " 

50 " 

75 *• 

20 " 

10 " 



Cape. Ann National Bank, 
North National Bank, 
Exchange National Bank, 
Revere National Bank, 
First National Bank, . 
Commonwealth National Bank, 



Par value. 

$1,400 00 

10,000 00 

2,000 00 

5,000 00 

7,600 00 

2,000 00 

1,000 00 



Market value. 

$5,940 00 
15,400 00 
2,550 00 
6,350 00 
8,475 00 
3,965 00 
1,110 00 



100 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



10 shares Redemption National Bank, 
36 M Eliot National Bank, . 
30 M Second National Bank, 
20 " Washington National Bank, 

6 M Howard National Bank, 

7 " Boston National Bank, 
10 " Great Falls Railroad, . 
25 " Fitchburg Railroad, 

35 M Old Colony Railroad, . 

20 " Boston and Albany Railroad, 

Eastern Railroad bonds, 

('hie., Burlington, and Quincy R. R. bonds, 

New York and New England R. R. bonds, 

Boston city bonds, .... 

Cambridge city bonds, .... 



Par value. 

61,000 00 
3,600 00 
3,000 00 
2,000 00 
600 00 
700 00 
1,000 00 
2,500 00 
3,500 00 
2,000 00 
6,500 00 
2,000 00 
5,000 00 
4,000 00 
5,000 00 



Market value. 

^1,297 50 

4,284 00 

4,605 00 

2,580 00 

721 50 

834 75 

245 00 

3,231 25 

4,830 00 

3,460 00 

7,117 50 

2,520 00 

5,787 50 

4,960 00 

6,100 00 



$74,300 00 $96,364 00 



Summary of Assets Dec. 31, 1882. 



Loans on mort. of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 
Cash deposited in First National Bank, 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 



$25,500 00 

393 86 

96,364 00 

73 04 

7,085 81 

2,406 71 

2,916 88 



$134,740 30 



Liabilities. 

Losses adjusted, unpaid, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 



Value of land's mortgaged, 

Value of buildings thereon, 

Amount of insurance held at collateral, 



$5,238 49 

23,355 76 

250 00 

361 80 

385 97 



29,592 02 

1105,148 28 

100,000 00 

$5,148 28 



$17,100 00 
35,900 00 
30,500 00 



1882.] AND FIRE-MARINE INSURANCE COS. 101 



Income 

Cash received for fire premiums, 
Deduct reinsurance and return premiums, . 
Net cash received for fire premiums, . 
Cash received for marine and inlM prem's, 
Deduct reinsurance and return premiums, . 

Net cash ree'd for marine and inPd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from return tax, etc., 

Gross cash income, 



$30,062 21 
2,586 97 

$7,020 68 
1,476 90 



$27,475 24 



5,543 78 

1,684 75 

5,094 79 

924 45 

$40,723 01 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, . 

Net casli paid for fire losses, 

Cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 
for State and local taxes, 

Gross cash expenditures, 



$22,667 24 
26 38 



$22,640 86 
4,791 31 
4,750 00 
4,392 31 
4,314 02 
1,727 72 



$42,616 22 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 



Risks and Premiums. 

350,077 00 $ 
2,680,492 00 30,227 54 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



Net amount in force, 

Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



Premiums. 

2,950,077 00 $37,703 67 



1,500 00 



$5,630,569 00 $67,931 21 
2,317,012 00 27,527 79 



$3,313,557 00 $40,403 42 



15 00 



$3,312,057 00 $40,388 42 



$70,825 00 
113,918 00 


$4,427 38 
4,721 51 


$184,743 00 
154,543 00 


$9,148 89 
6,637 76 


$30,200 00 
7,250 00 


$2,511 13 
666 88 


$22,950 00 


$1,844 25 



102 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (5 per cent.), 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



7,090 14 
472,625 89 
62,500 00 

5,000 00 
25,582 25 

4,687 06 
41,100 00 



MANUFACTURERS' FIRE AND MARINE INSURANCE 
COMPANY, BOSTON. 

[Incorporated Jan. 9, 1873. Commenced business Jan. 9, 1873.] 

Paid-up Capital, $500,000. 

Samuel Appleton, President. Samuel H. Wise, Secretary. 

Office, No. 59 State Street. 



DETAiLEb Statement of Stocks, Bonds, etc. 

Tar value. 

75 shares State National Bank, . . . $7,500 00 
40 " Atlantic Nat'l Bank, . . . 4,000 00 

300 " Atlas National Bank, . . . 30,000 00 

268 " Eagle National Bank, . . . 26,800 00 

25.0 " Second Nat'l Bank, . . . 25,000 00 

200 " Shoe & Leather Nat'l Bank, . 20,000 00 

150 " Shawmut Nat'l Bank, . . . 15,000 00 

282 " City National Bank, . . . 28,200 00 

150 " Hamilton Nat'l Bank, . . . 15,000 00 

40 " Somerville Horse Railroad, . 2,000 00 

Boston & Lowell R.R. bonds, . . . 100,000 00 

Cheshire Railroad bonds, .... 52,000 00 

Middlesex Horse R R. bonds, . . . 25,000 00 

United States bonds, 60,000 00 



Market value. 

$9,337 50 

5,960 00 

36,300 00 

29,480 00 

38,375 00 

21,200 00 

16,500 00 

33,276 00 

17,700 00 

2,040 00 

119,750 00 

57,265 00 

27,000 00 

71,700 00 



$410,500 00 $485,883 50 



Securities held as collateral for cash loans : — 



211 shares Washington Mills, 

300 " Atchison, Top. & S. F. Railroad, 

Chicago water bond, 

Herdic Phaeton Co. bond, . 

Sonora R. R. bond, 

100 shares Calumet & Ilecla stock, 

New Mexico & So. Pacific R.R. bonds, 

Atchison, Topeka & S. F. R.R. bonds, 

N. Y. & N. E. R.R. bonds, . 

California Southern R.R. bonds, . 

Chicago, Burlington & Quincy R.R bonds, 



Market value. 

£12,660 00 
25,800 00 

1,240 00 
950 00 

1,047 50 
25,100 00 
11,250 00^ 
23,500 00 j 
23,150 00 \ 

3,160 00 | 

1,630 00 J 



Loaned thereon. 

$12,000 00 

20,000 00 

900 00 

990 00 

400 00 

20,000 00 



50,000 00 



129,487 50 §101,290 00 



1882.] AND FIRE-MARINE INSURANCE COS. 103 



Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $80,000 00 

Loans on mortgage of real estate (first liens*), 46,600 00 

Interest due or accrued thereon, . . . 3,647 62 

Stocks, bonds, etc., as per schedule, . . 485,883 50 

Loans on collateral security as per schedule, 104,290 00 

Cash in the office of the company, . . 8,856 48 

deposited in various banks, . . 109,248 06 

Interest due and accrued, .... 2,492 69 

Premiums in course of collection (net), . 100,271 91 

Notes taken for marine and inland risks, . 28,530 38 

Rents due and accrued, .... 1,250 00 

Reinsurance due, 1,057 72 

Chattel mortgage, 789 00 

Gross assets, 



Liabilities. 

Losses adjusted, unpaid, .... $68,767 51 

Unearned premiums on outstanding risks, . 334,877 84 

Gross liabilities, except capital, . . 

Surplus as regards policy holders, 
Paid-up capital, ... 

Surplus over capital, 

Income. 

Cash received for fire premiums, . . $627,342 11 

Deduct reinsurance and return premiums, . 124,765 81 

Net cash received for fire premiums, . . 

Cash received for marine and inPd prem's, . $288,425 86 
Deduct reinsurance and return premiums, . 67,065 89 

Net cash ree'd from marine and inPd prem^s, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Gross cash income, 

Expenditures. 

Cash paid for fire losses, .... $440,934 01 

Deduct salvage and reinsurance, . . . 43,644 73 

Net cash paid for fire losses, . . . 

Cash paid for marine and inland losses, . $304,396 33 

Deduct salvage and reinsurance, . . . 76,294 82 

Net cash paid for marine and inland losses, 
Cash paid for commissions and brokerage, 



$972,917 36 



403,645 35 

$569,272 01 
500,000 00 

$69,272 01 



$502,576 30 



$221,359 97 

3,133 03 

35,022 93 

4,695 16 



$766,787 39 



$397,289 28 



$228,101 51 
85,621 70 



* Total value of property mortgaged, . . $73,100 00 
Amount of insurance held as collateral, . 22,200 00 



104 MASS. JOIXT-STOCK FIKE, MARINE, [Dec. 31, 

Cash paid for salaries of officers and employes, . . $61,273 85 

for State and local taxes, 26,942 03 

for incidentals, 69,220 62 



Gross cash expenditures, $868,454 99 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1881, . $100,179,447 00 $644,73154 
written during 1882, . . . 80,154,705 00 643,481 94 



Total, $180,334,152 00 $1,288,213 48 

Deduct risks expired and terminated, . 101,164,767 00 598,217 61 



In force at end of year, . . . $79,169,385 00 $689,995 87 
Deduct amount reinsured, . . . 7,007,296 00 52,726 32 



Net amount in force, .... $72,162,08900 $637,26955 



Marine risks outstanding Dec. 31,1881, . $3,178,508 00 $46,415 93 
written during 1882, . . 31,815,150 00 279,292 33 



Total, ... . $34,993,658 00 $325,708 26 

Deduct risks expired and terminated, . . 33,466,369 00 289,990 64 



In force at end of year, . . . .$1,527,289 00 35,717 62 
Deduct amount reinsured, .... 284,450 00 6,314 72 



Net amount in force, .... $1,242,839 00 $29,402 90 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock qw ned by directors, . . 



^6,262,654 89 

3,699,695 52 

375,000 00 

400,503 63 

215,921 86 

60,200 00 



1882.] AND FIRE-MARINE INSURANCE COS. 105 

MERCANTILE FIRE AND MARINE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Feb. 11, 18*23. Commenced business May, 1823.] 

Paid-up Capital, $400,000. 

George R. Rogers, President. B. F. Field, Jr., Secretary. 

Office, No. 58 Slate Street. 
Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

100 shares Atlantic National Bank, . . $10,000 00 $14,900 00 

200 " City National Bank, . . . 20,000 00 23,600 00 

200 " Columbian National Bank, . 20,000 00 25,200 00 

214 " Eagle National Bank, . . 21,400 00 23,112 00 

300 " Globe National Bank, . . 30,000 00 31,800 00 

120 " Hamilton National Bank, . . 12,000 00 14,160 00 

160 " New England National Bank, . 16,000 00 20.800 00 

200 " North National Bank, . . 20,000 00 25,200 00 

37 M Railroad National Bank, . . 3,700 00 4,218 00 

178 " State National Bank, . . 17,800 00 22,072 00 

535 " Suffolk National Bank, . . 53,500 00 63,130 00 

200 " Tremont National Bank, . . 20,000 00 23,000 00 

200 " Union National Bank, . . 20,000 00 28,200 00 

200 M Boston and Providence Railroad, 20,000 00 32,200 00 

100 M Lyman Mills 10,000 00 10,900 00 

United States bonds, 15,000 00 16,800 00 

New Bedford Railroad bonds, . . 30,000 00 33,600 00 

Boston and Albany Railroad bonds, . . 30,000 00 36,900 00 

Boston and Maine Railroad bonds, . . 10,000 00 12,400 00 

Fitchburg Railroad bonds 25,000 00 31,000 00 

Boston and Lowell Railroad bonds, . . 25,000 00 28,350 00 

Boston city bonds, 65,000 00 78,000 00 

Charlestown bonds, 10,000 00 11,600 00 

$504,400 00 §611,142 00 

Securities held as collateral for cash loans : — 



United States bonds, 

City of Newburyport bonds, 

City of Lawrence bonds, 



Market value. Loaned thereon 

$ 1,680 00 $1,550 00 



560 00 
1,160 00 



500 00 
1,000 00 



$3,400 00 $3,050 00 



Summary of Assets Dec. 31, 1882. 

Loans on mort of real estate (first liens*), $41,500 00 
Interest due or accrued thereon, . . . 595 00 

* Value of lands mortgaged, $24,800 00 

Value of buildings thereon, 32,200 00 

Amount of insurance held as collateral, . . . 41,000 00 



10G MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Stocks, bonds, etc , as per schedule, . . $611,142 00 

Loans on collateral security, as per schedule, 3,050 00 

Cash in the office of the company, , . 2,017 28 

Cash deposited in various banks, . . 11,9G1 57 

Interest due and accrued, .... 5,865 41 

Premiums in course of collection (gross), 3,561 80 

Notes taken for marine and inland risks, . 37,287 89 

All other assets, 278 67 

Gross assets, 



§717,259 62 



Liabilities. 

Losses claimed and reported, . . . $14,450 00 

Unearned premiums on outstanding risks, . 116,550 03 

Due and accrued for rent, salaries, etc., . 1,500 00 

Commissions and brokerage, . . , 534 27 

Gross liabilities, except capital, . . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 



133,034 30 

$584,225 32 
400,000 00 

$184,225 32 



Income, 

Cash received for fire premiums, 
Deduct reinsurance and return premiums, 
Net cash received for fire premiums, . 
Cash received for marine and inl'd prem's, 
Deduct reinsurance and return premiums, 

Net cash ree'd for marine and inTd prom's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 



$157,421 67 
22,853 94 
$134,567 73 



182,616 22 
11,975 06 



70,641 16 

2,000 00 

31,692 47 

$238,901 36 



Expenditures. 

Cash paid for fire losses, .... $104,469 05 
Deduct salvage and reinsurance, . . 1,200 00 

Net cash paid for fire losses, . . . 

Cash paid for marine and inland losses, . $56,621 98 
Deduct salvage and reinsurance, . . . 1,73101 

Net cash paid for. marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, 

for incidentals, .... 



$103,269 05 



54,890 97 
40,000 00 
35,314 60 
14,075 00 
6,754 82 
11,769 25 



Gross cash expenditures, 



$266,073 69 



1882.] AND FIRE-MARINE INSURANCE COS. 107 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 



Risks and Premiums. 

rrcmlums. 

$18,445,653 00 $168,042 79 
. 17,611,184 00 155,379 10 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$36,056,837 00 $323,421 89 
. 15,691,854 00 134,907 25 



20,364,983 00 $188,514 64 
811,255 00 6,984 79 



$19,553,728 00 $181,529 85 



$4,188,574 00 
3,124,775 00 



$42,407 80 
83,974 89 



$7,313,349 00 $126,382 69 
4,590,193 00 96,175 55 



$2,723,156 00 
332,666 00 



$30,207 14 
3,009 48 



. $2,390,490 00 $27,197 66 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, 
Marine and inland losses incurred during the year, . 
Company^ stock owned by directors, 



$5,553,979 00 
4,249,620 34 
1,814,500 00 
40,000 00 
76,715 06 
35,295 59 
26,800 00 



NEPTUNE FIRE AND MARINE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Dec. 24, 1872. Commenced business Jan. 1, 1873.] 

Paid-up Capital, $300,000. 

George F. Osborne, President. Eugene B. Hinkley, Secretary. 

Office, No. 64 State Street. 



Detailed Statement of Stocks, Bonds, etc. 



700 shares Tremont National Bank, 

100 " Union National Bank, 

30 " Massachusetts National Bank, 
75 " Hamilton National Bank, . 

101 " Suffolk National Bank, 
36 " Globe National Bank, 



Par value. 

$70,000 00 

10,000 00 

7,500 00 

7,500 00 

10,100 00 

3,600 00 



Market value. 

$80,500 00 

14,100 00 

8,418 75 

8,850 00 

12,019 00 

3,852 00 



108 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



112 shares Revere National Bank, 
16 M Everett National Bank, 
27 " Shoe and Leather Nat'l Bank, 
22 " Redemption National Bank, 

100 " Boston & Providence Railroad, 

United States bonds, .... 

"Boston & Maine Railroad bonds, . 

Burlington & Missouri in Neb. 11 R. bonds, 

Fitchburg Railroad bonds, . 

Union Pacific Railroad bonds, 

Kansas Pacific Railroad bonds, . 

Oregon Railway and Navigation Co. bonds 

City of Fitchburg bonds, 

Brookline water bonds, 



Par value. 

111,200 00 

1,600 00 

2,700 00 

2,200 00 

10,000 00 

50,000 00 

30,000 00 

24,000 00 

10,000 00 

30,000 00 

35,000 00 

30,000 00 

30,000 00 

10,000 00 



Market value 

$1-2,768 00 

1,812 00 

2 t 862 00 

2,818 75 

16,100 00 

56,500 00 

37,125 00 

27,000 00 

12,350 00 

33,750 00 

38,150 00 

32,700 00 

34,500 00 

13,000 00 



$385,400 00 $449,175 50 



Summary of Assets Dec. 31, 1882. 

Stocks, bonds, etc., as per schedule, . . $449,175 50 

Cash in the office of the company, . . 6,510 45 

deposited in Tremont Nat'l Bank, . 14,07191 

Interest due and accrued, .... 3,970 00 

Premiums in course of collection (gross), . 16,709 41 

Notes taken for marine and inland risks, . 16,929 93 
Premiums more than 3 mos. due, $130 56 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... $16,00000 

Unearned premiums on outstanding risks, . 83,489 04 

Commissions and brokerage, . . . 1,400 00 

Reinsurance, 12 00 

Gross liabilities, except capital, . . . 



$507,367 20 



Paid-up capital, 

Surplus as regards policy-holders, .... 

Surplus over capital, 

Income. 

Cash received for fire premiums, . . . $127,433 51 
Deduct reinsurance and return premiums, . 12,318 04 

Net cash received for fire premiums, . . 

Cash received for marine and inl'd prem's, $32,763 16 
Deduct reinsurance and return premiums, . 1,302 92 

Net casli recM for marine and inl'd prem's, 

Interest and dividends received from all sources, 
Income from profit on stock sold, 

Gross cash income, 



100,901 04 

$406,466 16 

300,000 CO 

§106,466 16 



$115,115 47 



31,460 24 

24,033 46 

2,200 00 

§172,809 17 



1882.] AND FIRE-MARINE INSURANCE COS. 109 



Expenditures. 

Cash paid for fire losses, .... $100,279 66 
Deduct salvage and reinsurance, , . . 693 90 

Net cash paid for fire losses, . . . 

('ash paid for marine and inland losses, . $24,574 13 
Deduct salvage and reinsurance, . . . 1,102 70 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employe's, 

for State and local taxes, . 

for rent and incidentals, 

Gross cash expenditures, .... 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, . 
written during 1882, . 

Total, ...... 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31, 1881, 
written during 1882, 

Total 

Deduct risks expired and terminated, . 

In force at end of year, 



$9,989,529 00 
9,820,870 00 



$ 19,810,399 00 
. 9,262,009 00 

$10,548,390 00 
10,500 00 



$99,585 76 



23,471 43 

30,000 00 

19,841 51 

15,153 34 

5,019 54 

6,154 73 

$199,226 31 



Premiums. 

$117,907 77 
110,078 08 

$227,985 85 
97,264 70 

$130,721 15 
59 00 



$10,537,890 00 $130,662 15 



$1,725,134 00 
626,079 00 



$2,351,213 00 
1,224,118 00 



$25,554 78 
18,848 42 

$44,403 20 
26,015 07 



§1,127,095 00 $18,388 13 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent), . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



il ,848,087 10 
1,221,346 32 
270,000 00 
30,000 00 
94,085 76 
20,971 43 
51,100 00 



110 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 
NORTH AMERICAN INSURANCE COMPANY. 

[Incorporated, December, 1872. Commenced business, Jan. 1, 1873] 

Paid-up Capital, $200,000. 

Albert Bowker, President. Eugene E. Partridge, Secretary. 

Office, No. 70 State Street. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Cambridge city bonds, .... 
Eastern R. R. bonds, .... 
Chic., Milwaukee & St. Paul R.R. bonds, 
Toledo, Delphos & Burlington R.R. bonds, 
Columbian National Bank stock, . 
Eliot National Bank stock, . 
Globe National Bank stock, 
Merchants' National Bank stock, 
City National Bank stock, . 
Exchange National Bank stock, . 
Hide and Leather National Bank stock, 
Old Boston National Bank stock, 
Boston National Bank stock, 
Shoe and Leather National Bank stock, 
State National Bank stock, . 
Suffolk National Bank stock, 



Securities held as collateral for cash loans : 



Old Colony R.R. stock, . 

Boston, Revere Beach & Lynn R.R. bonds, 

Union Railway stock, .... 

Union Pacific R.R. bonds, 

United States bonds, .... 

Boston, Revere Beach & Lynn R.R. bonds, 



Par value. 

$50,000 00 

10,000 00 

11,000 00 

5,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

15,000 00 

5,000 00 

1,700 00 

2,900 00 

7,350 00 

11,400 00 

5,000 00 

10,000 00 

10,000 00 



Market value. 

$59,687 50 

10,100 00 

12,045 00 

6,000 00 

5,100 00 

6,312 50 

11,900 00 

10,650 00 

20,418 75 

5,900 00 

2,159 00 

3,161 00 

8,783 25 

13,594 50 

5,300 00 

12,450 00 

11,800 00 



$179,350 00 $205,361 50 



Market value. Loaned thereon. 



$268 50 
3,510 00 
1,712 00 
1,132 50 
565 62 
5,700 00 



$130 00 

5,000 00 

1,000 00 

125 00 

5,000 00 



$12,888 62 $11,255 00 



Summary of Assets Dec. 31, 1882. 



Cash value of unencumbered real estate, 



,201 74 



Loans on mortgage of real estate (first liens*), 60,245 52 

Interest due or accrued thereon, . . . 638 53 

Stocks, bonds, etc., as per schedule, . . 205,361 50 

Loans on collateral security, as per schedule, 11,255 00 



* Value of lands mortgaged $48,350 00 

Value of buildings thereon, .... 69,30000 
Amount of insurance held as collateral, . . 59,500 00 



1882.] AND FIRE-MARINE INSURANCE COS. Ill 



Cash in the office of the company, 
deposited in various banks, . 
Interest due and accrued, 
Premiums in course of collection (gross), 
Rents due and accrued, 
Chattel mortgage, .... 
Premiums more than 3 months due, $267 94 
Gross assets, 



$2,144 97 

18,827 25 

865 93 

3,725 17 

107 95 

500 00 



$321,873 56 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., 
State and local taxes, .... 
Commissions and brokerage, 

Reinsurance, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital 

Surplus over capital, .... 



$2,779 02 

5,640 48 

2,500 00 

47,552 74 

30 00 

550 00 

500 00 

407 62 

113 01 



60,072 87 

$261,800 69 
200,000 00 

$61,800 69 



Income. 

Cash received for fire premiums, . . $67,210 16 
Deduct reinsurance and return premiums, . 7,346 73 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 



Gross cash income, 



$59,863 43 

4,640 21 

10,785 31 

1,607 23 



$76,896 18 



Expenditures. 

Cash paid for fire losses, .... $28,065 67 
Deduct salvage and reinsurance, ... 74 42 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, . 

for incidentals, 



$27,991 25 

19,970 00 

7,264 73 

11,840 26 

3,566 46 

5,658 09 



Gross cash expenditures, 



$76,290 79 



112 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Fire risks outstanding Dec. 31, 1881, 
written during 1882, 



Risks and Premiums 

Premiums. 

£11,949,772 00 $96,441 71 
. 10,511,588 00 67,303 53 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, . 

Net amount in force, 



$22,461,360 00 $163,745 24 
. 9,581,447 00 60,608 24 



$12,879,913 00 $103,137 00 
424,359 00 3,003 06 



$12,455,554 00 $100,133 94 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends dechired during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company^ stock owned by directors, 



$604,360 07 

189,369 15 

180,000 00 

20,000 00 

36,778 21 

19,500 00 



PRESCOTT INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 27, 1872. Commenced business Jan. 15, 1873.] 

Paid-up Capital, $200,000. 

Franklin Greene, President. Francis H. Stevens, Secretary. 

Office, No. 42 Congress Street, Boston. 



Detailed Statement of Stocks, 

500 shares Webster National Bank, 

112 " 

203 " 

10 ' 

100 " 

125 • 

50 4I 

120 ' 

125 • 

48 * 

60 4 

100 * 

}00 ' 



4 Atlas National Bank, 

4 Eliot National Bank, 

' Eagle National Bank, 

4 Merchandise National Bank, 

' Market National Bank, 

4 New England National Bank, 

' Tremont National Bank, . 

4 Second National Bank, 

' Blackstone National Bank, 

4 Merchants 1 National Bank, 

4 Sta'e National Bank, . 

1 Globe National Bank, 

Boston and Lowell Railroad bonds, 

Eastern Railroad bond-, 

Kansas City, Lawrence, and So. R. R. b'ds, 



Bonds, etc. 

Par value. 

$50,000 00 

11,200 00 

20,300 00 

1,000 00 
10,000 00 
12,500 00 

5,000 00 
12,000 00 
12,500 00 

4,800 00 

6,000 00 
10,000 00 
10,000 00 
25,000 00 
25,000 00 
25,000 00 



Market value. 

$-34,250 00 

13,552 00 

24,157 00 

1,100 00 

9,800 00 

12,500 00 

6,500 00 

13,800 00 

19,125 00 

5,124 00 

8,167 50 

12,450 00 

10,650 00 

29,937 50 

27,250 00 

26,187 50 



1882.] AND FIRE-MARINE INSURANCE COS. 113 



Cin.,Ind., St. Louis, and Chicago R. R. b'ds, 
City of Cincinnati bonds, .... 
City of Cleveland bonds, . 



Summary of Assets Dec. 

Cash value of unencumbered real estate, . 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in Commonwealth Bank, . 
Interest due and accrued, .... 
Premiums in course of collection (gross), . 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, 
disputed or resisted, .... 
Unearned premiums on outstanding risks, . 
Due for borrowed money, .... 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$10,000 00 
25,000 00 
20,000 00 



$10,250 00 
32,375 00 
20,400 00 



$295,300 00 $337,575 50 

31, 1882. 

$ 18,000 00 
337,575 50 

4,200 98 

3,146 73 

2,070 83 
17,035 37 
$382,029 41 



$14,902 19 
6,600 00 
2,500 00 

107,292 09 

17,000 00 

3,414 21 



151,708 49 

$230,320 92 
200,000 00 



Surplus over capital, $30,320 92 

Income. 

Cash received for fire premiums, . . . $178,588 04 
Deduct reinsurance and return premiums, . 22,691 71 

Net cash received for fire premiums, . . $155,896 33 

Interest and dividends received from all sources, . . 16,950 02 

Gross cash income, $172,846 35 



Expenditures 
Cash paid for fire losses, .... 
Deduct salvage and- reinsurance, 
Net cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, 

for State and local taxes, 

for rent, 

for incidentals, .... 



$154,443 73 
2,924 44 



Gross cash expenditures, 



$151,519 29 

16,000 00 

32,713 72 

8,929 50 

2,857 76 

2,500 00 

11,358 54 

$225,878 81 



114 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 



Risks and Premiums. 

rrcmiums. 

$19,305,975 00 §226,908 73 
16,619,217 00 182,916 77 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



$35,925,192 00 $409,825 50 
16,994,986 00 193,110 65 



$18,930,206 00 $216,714 85 
279,956 00 3,578 68 

$18,650,250 00 $213,136 17 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



,349,907 63 
801,803 05 
166,000 00 
16,000 00 
149,779 73 
123,400 00 



SALEM MARINE INSURANCE COMPANY, SALEM. 

[Incorporated Feb. 6, 1856. Commenced business Feb. 7, 1857.] 

Paid-up Capital, $100,000. 

William Nortiiey, President. F. P. Richardson, Secretary. 



Detailed Statement of Stocks, 



United States bonds, .... 
Burlington and Mo. R. in Neb. R. R. bonds 
Cedar Rapids and Missouri Railroad bonds 
Vt. Cent, and Vt. and Canada R. R. bonds, 
Phila., Wilmington, and Balti. R.R. bonds, 
Fremont, Elkhorn, and Mo. Val. R.R. bonds 
Cleveland city bonds, 
Providence city bonds, 
Cambridge city bonds, 
Louisville city bonds, 
Boston city bonds, 
Manhattan Beach Improvement Co., bonds 

30 shares Mercantile National Bank, Salem, 

81 

73 

98 
100 

93 



Merchants 1 National Bank, Salem, 
Exchange National Bank, Salem, 
First National Bank, Salem, 
Naumkeag National Bank, Salem, 
North National Bank, Boston, . 



Bonds, etc. 

Par value. 

$50,000 00 
6,000 00 
5,000 00 
5,000 00 
5,000 00 

10,000 00 

10,000 00 
5,000 00 

10,000 00 
5,000 00 
1,000 00 
5,000 00 
3,000 00 
4,050 00 
7,300 00 
9,800 00 

10,000 00 
9,300 00 



Market value. 

$52,4C6 25 

6,750 00 

6,100 00 

2,850 00 

5,200 00 

10,200 00 

12,200 00 

5,800 00 

12,800 00 

5,400 00 

1,000 00 

4,187 50 

3,540 00 

5,568 75 

8,468 00 

11,956 00 

16,250 00 

11,741 25 



1882.] AND FIRE-MARINE INSURANCE COS. 115 



Par value. 

100 shares Second National Bank, Boston, . $10,000 00 

100 " Webster National Bank, Boston, 10,000 00 

7."> " Commerce Nat'l Bank, Boston, . 7,500 00 

51 " Atlantic National Bank, Boston, 5,100 00 

30 " Merchants 1 Nat'l Bank, Boston, . 3,000 00 

16 " Shawnmt National Bank, Boston, 1,600 00 

21 " Boston National Bank, Boston, . 2,100 00 



Market value. 

$15,350 00 

10,800 00 

8,850 00 

7,599 00 

4,090 00 

1,760 00 

2,499 00 



$199,750 00 $233,365 75 
Securities held as collateral for cash loans : — 



Market value. 

Asbestos Packing Company stock, . . $3,848 00 

Burlington and Mo. R. in Neb. R. R. bonds, 1,464 00 > 

City of Louisville bonds, .... 2,160 00 

City of Cleveland bonds, .... 3,600 00 , 



Loaned thereon. 

$3,000 00 
5,600 00 



$11,072 00 $8,600 00 



Summary of Assets Dec. 31, 1882. 



Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
Cash deposited in Merchants 1 Nat'l Bank, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 

Liabilities. 
Losses claimed and reported, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$233,365 75 

8,600 00 

700 19 

24,561 77 

144 00 

4,223 00 

19,670 12 



$8,000 00 

28,252 87 

150 00 

811 67 

413 70 



$291,264 83 



Surplus over capital, 

Income. 

Cash received for marine and inl'd prem's, 
Deduct reinsurance and return premiums, . 
Net cash ree'd for marine and inl'd prem's, 
Interest and dividends ree'd from all sources, 



37,628 24 

$253,636 59 
100,000 00 

$153,636 59 



$45,095 73 
2,542 75 



$42,552 98 
13,014 24 



Gross cash income, 



$55,567 22 



116 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 

Expenditures. 

Cash paid for marine and inland losses, . $31,435 37 
Deduct salvage and reinsurance, . . . 2,362 72 

Net cash paid for marine and inland losses, $29,072 65 

Cash dividends paid, 9,935 00 

Cash paid for commissions and brokerage, . . . 3,092 27 

for salaries of officers and employes, . . 3,901 01 

for incidentals, 1,697 23 

Gross cash expenditures, $47,698 16 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1881, 
written during 1882, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$641,988 00 
2,170,850 00 



$2,812,838 00 
2,102,397 00 

$710,441 00 
6,400 00 



Premiums 

$25,068 20 
45,024 26 

$70,092 46 
41,839 59 

$28,252 87 
130 50 



$704,041 00 $28,122 37 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



,245,636 45 

921,361 55 

254,000 00 

10,000 00 

31,435 37 

13,700 00 



SHOE AND LEATHER INSURANCE COMPANY, 

BOSTON. 

[Incorporated Dec. 26, 1872. Commenced business, Jan. 1, 1873.] 
Paid-up Capital, $600,000. 
John C. Abbott, President. Charles A. Fuller, Secretary. 

Office, No. 16 Congress Street. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 



253 shares Shawmut National Bank, . 

50 " Merchandise National Bank, 
200 " Hamilton National Bank, . 
100 " Second National Bank, 

31 M Atlantic National Bank, 



$25,300 00 

5,000 00 

20,000 00 

10,000 00 

3,100 00 



$27,830 00 

4,900 00 

23,600 00 

15,300 00 

4,603 50 



1882.] AND FIRE-MARINE INSURANCE OOS. 117 



117 shares Tremont National Bank, 
47 M Atlas National Bank, , 

62 " Merchant-' National Bank, 
250 " Republic National Bank, . 

54 " Redemption National Bank, 
Boston A Maine Railroad bon«: 
>n A Albany Railroad bonds, 
rn Railroad bonds, 
on A Lowell Railroad bond-. 
Chicago, Burlington & Quincy R.R. bonds, 
Old Colony Railroad bonds, 
United States bonds. 
( ambridge city bonds, 
Providence city bonds, 
Newton city bonds, 
Boston city bonds, 
Worcester city bonds, 
Fall River city bonds, 
W -burn town bonds. 
Arlington town bonds, 
Beverly town bonds, 
Brookline town bonds, 



car value. 

f 11,700 00 

00 
00 

.000 00 

00 

7,000 00 

54,000 00 

21,000 00 

lo,000 00 

_ .<)00 00 

8,000 00 

.000 00 

40,000 00 

_ .000 00 

10 00 

24,000 00 

50,000 00 

30,000 00 

.000 00 

18,000 00 

00 

7,000 00 



Market value. 

.$13,338 00 

31.- 

B 90 00 

... " 
11,150 00 
00 

161,562 50 

.400 00 
_ .000 00 
11.490 00 
25,320 00 

53,625 00 

00 

l 7,350 00 

.1)80 00 

5, -' 

7,210 00 



$609,400 00 $692,341 75 



SUMMART OF AS-ETS DEC 31, 1382. 

Loans on mortgage of real estate (first liens*), $30,000 00 

Interest due or accrued thereon, . 

Stocks, bonds, etc., as per schedule, . . .',341 75 

Cash in the office of the company, 

Cash deposited in various banks, . . . 113J607 74 

Interest due and accrued, .... 3,4»> 

Premiums in course of collection (gross), . 60,474 91 

Notes take for marine and inland risks, . 73,315 B2 

Reinsurance due, 12 15 

Gross assets, 



$976,373 01 



Liabilities. 
Losses claimed and reported, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$59,072 22 

267,117 86 

5,108 59 



33: 

$644,084 54 
600,000 00 



Surplus over capital, $44,984 34 



* Value of lands mortgaged, . . . $25,000 00 

Value of buildings thereon, . . . 25,000 00 
Amount of insurance held as collateral, . 20,500 00 



118 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



$354,885 92 
28,631 01 



Income. 
h received for fire premiums, . . $306,335 15 
Deduct reinsurance and return premiums, . 43,189 52 
Net cash received for fire premiums, . 
Cash received for marine and inlM prein's, 
Deduct reinsurance and return premiums, 

Net cash rec'd for marine and inPd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from collections, 

Gross cash income, 

v Expenditures. 
Cash paid for fire losses, 

for marine and inland losses, 

for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, . 

for rent and incidentals, 
Profit and loss, 



Gross cash expenditures, . 

Risks and Premiums. 



$263,145 63 



326,254 88 

1,834 55 

33,590 46 

427 62 

$625,253 14 



$234,440 37 
250,005 22 
77,316 48 
22,005 65 
14,029 29 
36,606 90 
3,256 00 

$637,659 91 



Fire risks outstanding Dec. 31, 1881, 
written during 1882, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



Marine risks outstanding Dec. 31, 1881, 
written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$28,578,808 00 
. 27,914,688 00 



Premiums. 

$334,701 01 
303,476 91 

$638,177 92 
288,736 42 

$349,441 50 
2,446 76 

$28,469,685 00 $346,994 74 



$56,493,496 00 
. 27,784,846 00 



$28,708,650 00 
238,965 00 



$2,816,549 00 
29,991,380 00 



$109,771 87 
329,667 96 

$439,439 83 
346,610 03 

$92,829 80 
1,206 00 

$1,179,755 00 $91,623 80 



$32,807,929 00 
. 31,557,536 00 



$1,250,393 00 
70,638 00 



Miscellaneous. 

Premiums received from organization of company, . 

Losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, . 

Marine and inland losses incurred during the year, . 

Company's stock owned by directors, 



53,516,901 65 
1,988,299 58 

265,000 00 
215,130 89 

224.899 22 

101.900 00 



1882.] AND FIRE-MARINE INSURANCE COS. 119 

SPRINGFIELD FIRE AND MARINE INSURANCE COMPANY, 

SPRINGFIELD. 

[Incorporated, 1849. Commenced business, 1851.] 

Paid-up Capital, $11,000,000. 

J. N. Duniiam, President. S. J. Hall, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $100,000 00 $130,000 00 

Boston and Albany Railroad bonds, . . 100,000 00 125,000 00 

Kansas ( ity, St. Joe, and C. B. R. R. bonds, 100,000 00 115,000 00 

Union Pacific Railroad bonds, . . . 49,000 00 52,920 00 

Chicago and Northwestern Railroad bonds, 50,000 00 54,000 00 

Morris and Essex Railroad bonds, . . 8,000 00 10,000 00 

New York and Harlem Railroad bonds, . 10,000 00 12,500 00 

Chicago, Milwaukee, and St. Paul R.R. b'ds, 10,000 00 12,500 00 

St. Paul, Minneapolis, and Man. R. R. b'ds, 50,000 00 55,000 00 

Chicago, Burl., and Quincy R. R. bonds, . 10,000 00 8,300 00 

100 shares Agawam Nat'l B'k, Springf'ld, 10,000 00 13,000 00 

100 " J. Hancock Nat. B'k, Springf'd, 10,000 00 12,500 00 

104 " Chicopee Nat'l Bank, Springt'd, 10,400 00 15,600 00 

100 " Pynchon Nat'l Bank, Springf'd, 10,000 00 16,000 00 

28 " Second Nat'l B'k, Springfield, 2,800 00 4,620 00 

200 " Third Nat'l Bank, Springfield, 20,000 00 33,000 00 

75 " Ware National Bank, Ware, . 7,500 00 9,000 00 

34 " First Nat'l Bank, Northampton, 3,400 00 4,250 00 

100 " Northampton Nat'l B., " . 10,000 00 17,000 00 

10 " Monson Nat'l Bank, Monson, 1,000 00 1,250 00 

31 " First Nat'l Bank, Chicopee, . 3,100 00 4,960 00 

20 " Adams Nat'l Bank, No. Adams, 2,000 00 2,840 00 

100 " Tremont Nat'l Bank, Boston, . 10,000 00 11,400 00 

100 *« Boston National Bank, Boston, 10,000 00 12,000 00 

100 " New England N. B'k, Boston, 10,000 00 13,000 00 

100 " Commonwealth N, B'k, Boston, 10,000 00 11,100 00 

100 " Merchandise Nat'l B'k, Boston, 10,000 00 10,000 00 

100 " Merchants' Nat'l B'k, Boston, . 10,000 00 13,700 00 

100 " Atlas National B'k, Boston, . 10,000 00 12,200 00 

100 " Howard Nat'l Bank, Boston, . 10,000 00 12,100 00 

100 " Webster Nat'l Bank, Boston, . 10,000 00 11,000 00 

150 " Boylston Nat'l Bank, Boston, . 15,000 00 17,700 00 

100 " Eliot National Bank, Boston, . 10,000 00 11,900 00 

100 " Nat'l B. of Commerce, Boston, 10,000 00 11,800 00 

50 " N. B'k of Commerce, N. York, 5,000 00 7,500 00 

100 " Fourth Nat'l Bank, New York, 10,000 00 12,500 00 

500 " Boston and Albany Railroad, . 50,000 00 86,500 00 

183 " Boston and Providence R. R., . 18,300 00 29,280 00 

500 " Connecticut River Railroad, . 50,000 00 82,500 00 



120 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 

Tar value. Market value. 

45 shares Worcester and Nashua R. R,, . $4,500 00 $2,700 00 

1,000 " N.Y.,N.H., and Hartford R.R., 100,000 00 180,000 00 

500 " New York C. and H. Riv. R. R., 50,000 00 63,500 00 

200 M Old Colony Railroad, . . 20,000 00 27,000 00 

1,000 " New York and Harlem R. R., . 50,000 00 100,000 00 

700 " Chic., Burl., and Quincy R. R., 70,000 00 85,400 00 



$1,130,000 00 $1,534,020 00 
Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

20 shares Agawam Nat'l Bank, Springf d, $2,600 00 $2,275 00 

10 " Third Nat'l Bank, Springfield, . 1,650 00 900 00 

10 " Agawam NatU Bank, Springf d, 1,300 00 1,000 00 

5 " Conn. River R. R., Springfield, . 825 00 500 00 

25 " Quassaic N. B'k, N'burgh, N. Y., 625 00 400 00 

100 " Nonotuck Paper Co., Holyoke, . 10,000 00 >| 

60 " Valley Paper Co., Holyoke, . 8,400 00 I 15,000 00 

1 share Parsons Paper Co., Holyoke, . 10,000 00 J 

150 shares West Springfield Aqueduct Co., 15,000 00^ 

200 " Amherst Water Company, . . 20,000 00 , 

33 " Boston and Albany R. R., . . 5,709 00^ 

45 " Conn. River Railroad, . . 7,425 00 I 9,500 00 

16 " N. Y., N. H., and Hartford R. R., 2,880 00 J 

Kansas City, St. Joe and C. B. R. R. bonds, 23,000 00 20,000 00 



18,000 00 



,414 00 $67,575 00 



Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $110,275 00 
Loans on mortgage of real estate (first liens*), 336,216 67 

Interest due or accrued thereon, . . . 8,583 34 

Stocks, bonds, etc., as per schedule, . . 1,534,020 00 

Loans on collateral security, as per schedule, 67,575 00 

Cash in the office of the company, . . 7,141 00 

deposited in various banks, . . . 132,948 46 

Interest due and accrued, .... 22,347 20 

Premiums in course of collection (gross), . 175,202 10 

Rents due and accrued, .... 979 50 

Gross assets, $2,395,288 27 



* Value of lands mortgaged $238,500 00 

Value of buildings thereon 370,500 00 

Amount of insurance held as collateral, . 275,450 00 



1882.] AND FIRE-MARINE INSURANCE COS. 121 



Liabilities. 

Losses adjusted, unpaid, .... $32,572 71 

claimed and reported, . . • 116,953 00 

disputed or resisted, .... 14,899 68 

Total amount of losses, .... $164,425 39 

Less reinsurance, 3,492 93 

Net amount of unpaid losses, . . . $160,932 46 

Unearned premiums on outstanding risks, . 833,147 25 

Commissions and brokerage, . . . 22,342 81 

Gross liabilities except capital, . . 

Surplus as regards policy-holders, 
Paid-up capital, 



,016,422 52 



$1,378,865 75 
1,000,000 00 



Surplus over capital, $378,865 75 

Income. 

Cash received for fire premiums, . . $1,381,980 82 

Deduct reinsurance and return premiums, . 159,292 03 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, . 

Interests and dividends received from all other sources, 

Income from rents, 

Gross cash income, $1,324,225 27 



.,222,688 79 

17,190 84 

80,666 77 

3,678 87 



Expenditures. 
Cash paid for fire losses, .... $741,70422 
Deduct salvage and reinsurance, . . 24,838 47 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, .... 

for incidentals, 

Gross cash expenditures, 



$716,865 75 

100,000 00 

199,887 21 

46,054 49 

39,132 23 

115,189 19 

1,217,128 87 



Risks and Premiums . 

Premiums. 

Fire risks outstanding Dec. 31, 1881, . $116,351,507 00 $1,407,260 88 
Fire risks written during 1882, . . 112,427,458 00 1,419,182 92 



Total, $228,778,965 00 $2,826,443 80 

Deduct risks expired and terminated, 102,738,144 00 1,223,955 91 



In force at end of year, 



$126,040,821 00 $1,602,487 89 



122 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
( ash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$14,407,001 37 

9,2G5,373 35 

1,592,042 00 

100,000 00 

787,724 19 

201,700 00 



WASHINGTON FIRE AND MARINE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Dec. 31, 1872. Commenced business Jan. 1, 1873.] 

Paid-up Capital, $400,000. 

Isaac Sweetser, President. A. W. Damon, Secretary. 

Office, No. 38 State Street. 



Detailed Statement of Stocks, Bonds, etc. 



250 shares Atlas National Bank, . 
567 " Columbian National Bank, 

75 " Continental National Bank, 
100 " Hamilton National Bank, . 
150 " Merchants' National Bank, 

50 " Merchandise National Bank, 
120 " City National Bank, . 
113 " Eagle National Bank, . 

75 " Commerce National Bank, . 

81 " Hide and Leather Nat'l Bank, 
100 " Revere National Bank, 

74 " State National Bank, . 

18 " Suffolk National Bank, 

15 " Washington National Bank, 

40 " Norwich & Worcester R.R., 
100 " N. Y. Cent. & H. R. R.R.,. . 
100 " Old Colony R.R., 

10 " Boston Gas Company, 
United States bonds, .... 
City of Boston bonds, .... 
Old Colony Railroad bonds, 
Eastern Railroad bonds, 
Chicago, Burlington & Quincy R R. bonds, 
Union Pacific Railroad bonds, 
Cedar Rapids & Missouri River R.R. bonds, 



Par value. 

$25,000 00 

56,700 00 

7,500 00 

10,000 00 

15,000 00 

5,000 00 

12,000 00 

11,300 00 

7,500 00 

8,100 00 

10,000 00 

7,400 00 

1,800 00 

1,500 00 

4,000 00 

10,000 00 

10,000 00 

5,000 00 

100,000 00 

110,000 00 

20,000 00 

61,500 00 

20,000 00 

20,000 00 

5,000 00 



Market value. 

$30,250 00 

71,584 00 

8,644 00 

11,800 00 

20,419 00 

4,900 00 

14,160 00 

12,430 00 

8,850 00 

8,829 00 

11,300 00 

9,213 00 

2,124 00 

1,907 00 

6,400 00 

12,550 00 

13,500 00 

8,000 00 

112,537 00 

134,100 00 

24,600 00 

67,342 00 

25,200 00 

22,650 00 

6,100 00 



$544,300 00 $649,389 00 



1882.] AND FIRE-MARINE INSURANCE COS. 123 

Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

320 shares Indian Orchard Mills, . . . $40,000 00 $25,000 00 

10 " Commercial Wharf Co., . . 25,000 00 10,000 00 

Kan. City, Ft. Scott & Gulf R.R. bonds, . 6,675 00 5,000 00 

$71,675 00 $40,000 00 

Summary of Assets Dec. 31, 1882. 
Loans on mortgage of real estate (first liens*) , $84,000 00 
Interest due or accrued thereon, . . . 960 00 

Stocks, bonds, etc., as per schedule, . . 649,389 00 
Loans on collateral security, as per schedule, 40,000 00 
Cash in the office of the company, . . 8,023 43 

deposited in bank, .... 98,454 16 

Interest due and accrued, .... 3,101 51 

Premiums in course of collection (gross), . 20,722 54 
Notes taken for marine and inland risks, . 35,980 79 

Gross assets, $940,631 43 

Deduct special deposit in Virginia, 22,600 00 

Balance, $918,031 43 

Liabilities. 

Losses claimed and reported, . . . $46,215 00 
Unearned premiums on outstanding risks, . 156,587 56 
Commissions and brokerage, . . . 7,635 91 



Gross liabilities, except capital, . . $210,438 47 
Deduct liability on special deposit, . . 22,600 00 



187,838 47 



Surplus as regards policy holders, .... $730,192 96 
Paid-up capital, 400,000 00 

Surplus over capital, $330,192 96 

Income. 

Cash received for fire premiums, . . $205,801 71 

Deduct reinsurance and return premiums, . 25,486 48 

Net cash received for fire premiums, . . $180,315 23 

Cash received for marine and inFd prem's, $169,739 83 

Deduct reinsurance and return premiums, . 24,259 13 

Net cash ree'd for marine and inl'd prem's, 145,480 70 

Interest received on bonds and mortgages, . . . 4,690 41 

Interest and dividends received from other sources, . . 34,071 20 



Gross cash income, $364,557 54 



* Value of lands mortgaged,. . . . $78,000 00 
Value of buildings thereon, . . . 105,000 00 
Amount of insurance held as collateral, . 97,500 00 



124 MASS. JOIXT-STOCK FIRE, MARINE, [Dec. 31, 



Expenditures. 
Cash paid for fire losses, .... $110,40778 
Deduct salvage and reinsurance, . . 3,919 84 

Net casli paid for fire losses, . . . 

Cash paid tor marine and inland losses, . $110,096 71 
Deduct salvage and reinsurance, . . 7,928 61 

Net cash paid for marine and inland losses, 

('ash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, 

for rent and incidentals, 

Gross cash expenditures, 



$106,487 94 



102,168 10 

40,000 00 

55,589 90 

17,400 00 

8,393 82 

13,855 84 

$343,895 60 



Fire risks outstanding Dec. 31, 1881, 
written during 1882, 



Risks and Premiums. 

Premiums. 

$17,361,130 00 $194,388 26 
. 20,403,243 00 205,708 21 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$37,764,373 00 $400,096 47 
. 19,274,206 00 185,023 66 



$18,490,167 00 $215,072 81 
158,564 00 2,049 44 



$18,331,603 00 $213,023 37 



Marine risks outstanding Dec. 31, 1881, 
written during 1882, . 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, .... 
Deduct amount reinsured, . 

Net amount in force, .... 



$3,964,636 00 $53,089 47 
12,543,033 00 161,688 60 



$16,507,669 00 $214,778 07 
, 11,491,735 00 166,161 41 



$5,015,934 00 $18,616 66 
78,250 00 1,153 84 



^,937,684 00 $17,462 82 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$2,892,270 54 

1,620,348 80 

320,000 00 

40,000 00 

117,960 68 

89,700 91 

60,800 00 



L888.] AND FIRE-MARIXE INSURANCE COS. 125 



AGGREGATE. 



Capital Stock. 




Whole amount of capital actually paid up in cash, 


$6,757,200 00 


Assets. 




Gross present assets, * 


$13,486,330 00 


Liabilities. 




Gross present liabilities, 


$4,090,570 00 


Income. 




Cash actually received for fire premiums, . 


$3,316,660 00 


actually received for marine premiums, 


2,362,593 00 


for interest and dividends from all sources, 


557,190 00 


from all other sources, 


23,328 00 


Gross cash income, 


$6,259,771 00 


Expenditures. 




Cash actually paid during the year for fire losses, 


$2,223,318 00 


actually paid during the year for marine losses, 




1,887,828 00 


for dividends to stockholders, 




472,930 00 


tor brokerage and commissions on premiums, 




750,608 00 


for salaries and pay of officers and employes, 




350,146 00 


for State and local taxes, 




176,216 00 


for office, agency, and incidental expenses, . 




402,656 00 


Gross cash expenditures, .... 


$6,263,702 00 


Miscellaneous. 




Whole amount of fire risks written during the year, . 


$379,071,971 00 


premiums charged or receivable thereon, 




3,910,235 00 


marine risks written during the year, 




206,129,346 00 


premiums charged or receivable thereon, 




2,696,003 00 


fire risks terminated during the year, 




374,672,335 00 


marine risks terminated during the year, 






214,017,560 00 


fire risks outstanding at end of year, 






403,211,354 00 


marine risks outstanding at end of year, 






27,805,716 00 


cash dividends declared during the year, 






481,000 00 


fire losses incurred during the year, . 






2,272,565 00 


marine losses incurred during the year, 


• 


1,932,875 00 



FIRE, MARINE, AND FIRE-MARINE 

INSURANCE COMPANIES 

OF OTHER STATES. 



Detailed Statements of Assets and Liabilities, avith Abstract 

of Annual Statements, for the Year ending 

Dec. 31, 1882. 



128 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



^ETNA INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated June, 1819. Commenced business Aug. 19, 1819.] 

Paid-up Capital, $4,000,000. 

Lucius J. Hendee, President. Jonathan Goodnow, Secretary. 



Detailed Statement of 

United States bonds, 8's, 
Alabama State bonds, 8's, 
Connecticut State bonds, 6's, 
New Hampshire State bonds, 6's, 
Rhode Island State bonds, 6's, 
S'th Carolina State b'ds (consolidated) 
Tennessee State bonds, 6's,. 
Hartford Count}', Conn., bonds, 4's, 
Hudson County, N. J., bonds, 6's, 
Barkhamsted, Conn., town bonds, 6's, 
Hartford, Conn., town bonds, 6's, 
Norwich, Conn., town bonds, 7's, 
Norfolk, Conn., town bonds, 6's, . 
Danbury, Conn., town bonds, 6% 
Pawtucket, R. I., town bonds, 7's, 
Windsor Locks, Conn., town bonds, 6'i 
Middletown, Conn., town bonds, 6 T s, 
Bloomington, 111., city bonds, 8's, 
Boston, Mass., city bonds, 6's, 
Brooklyn, N. Y , city bonds, 6's, . 
Buffalo, N.Y., city bonds, 7's, 
Cleveland, Ohio, city bonds, 6's, . 
Cincinnati, Ohio, city water bonds, 7's 
Chicago, III., city bonds, 7's, 
Detroit, Mich., city bonds, 7's, 
Hartford, Conn., city bonds, 6's, 
Indianapolis, Ind., city bonds, 7 T 8 5 , s 
Ironton, Ohio, city bonds, 8's 



Stocks, Bonds, etc. 

Par value. 

$344,000 00 
10,000 00 
148,500 00 
48,000 00 
45,000 00 
, 6's, 15,000 00 
31,000 00 
60,000 00 
25,000 00 
12,000 00 
36,000 00 
100,000 00 
26,000 00 
5,000 00 
100,000 00 
24,000 00 
60,000 00 
20,000 00 
50,000 00 
11,000 00 
50,000 00 
87,000 00 
50,000 00 
53,000 00 
50,000 00 
112,000 00 
50,000 00 
10,000 00 



Market value. 

$410,032 50 
8,500 00 
152,670 00 
57,600 00 
52,200 00 
15,750 00 
13,950 00 
60,000 00 
27,000 00 
12,600 00 
37,800 00 
130,000 00 
27,300 00 
5,000 00 
120,000 00 
25,680 00 
64,200 00 
22,400 00 
62,500 00 
12,100 00 
61,000 00 
96,800 00 
57,500 00 
60,950 00 
57,500 00 
123,200 00 
60,000 00 
10,200 00 



1882.] 



INS. COS. OF OTHER STATES. 



129 



Jersey City, N. J., city bonds, 6's, 
Lockport, X. Y., city bonds, 7's, . 
Montreal, Canada, corp. stock, 6's, 
Montreal, Canada, corp. bonds, 6's, 
Newark, N. J., city bonds, 7's, 
New Brunswick, N. J., city bonds, 7's, 
New York city stock, 6's, 
Rahway, N. J., city bonds, 7's, 
Providence, R. I., city bonds, 6's, 
, East Saginaw, Mich., city bonds, 6's, 
Titusville, Pa., city, school and water 

bonds, 8's, .... 
Titusville, Pa., city bonds, 5's, 
Corry, Pa., city bonds, 6 1 s, . 
Toledo, Ohio, city special bonds, 7 T 8 ff 's 
Toledo, Ohio, city water bonds, 8's, 
Rochester, N. Y., city bonds, 8's, 
Oswego, N. Y.,city bonds, 7's, 
Ottumwa, Iowa, bonds, 5's, . 
N. E. School District (Hartford) bonds, 4's, 
School District, No. 2, Enfield, Ct.,bd's, 4£'s, 
School District, No. 24, Town Woodbridge, 

N. J., 7's 

Montezuma, Iowa, school bonds, 6's, 
State Center, Iowa, school bonds, 5's, 
Blakesburgh, Iowa, school bonds, 6's, . 
Chelsea, Iowa, school bonds, 5^'s, 
Ottumwa, Iowa, school bonds, 5's, 
Atlantic Dock Company bonds, 5's, 
Albany and Susq. R. R. mort. bonds, 7's, 
Buffalo and Erie R. R. bonds, 7's, 
Clev., Col. Cin. & Ind. R. R. bonds, 7's, 
Clev., Painsville and Ash. R. R , 7's, . 
Cleveland and Tol. R. R., General S. F., 7's 
Chicago, Burl. & Q. R. R., S. F. b'ds, 8's, 
Chicago and Northwestern R. R., first 7's, 
Chicago, R. I. and Pacific R. R., 6's, . 
Chicago and West Indiana R. R., 6's, . 
Chicago, Mil. & St. Paul R. R., first, 7's, 
Cin. Ham. and Dayton R. R., 7's, . 
Columbus and Xenia R.R b'ds, 7's, 
Dayton and Western R. R., 6's, . 
Delaware and Hudson Canal Co., 7's, . 
Harlem River and Port Chester R. R 

first b'ds, 7's, 

Housatonic R. R., first, 6's, . 
Indianapolis and Cin. R. R.,mort. bonds, 7's, 
Iowa Midland R. R., first mort. bonds, 8's, . 
Jackson, Lans. and Sag. R.R.,mort. b'ds 6's, 



Tar value. 

$46,000 00 
25,000 00 
13,000 00 
10,000 00 
50,000 00 
20,000 00 
21,000 00 
45,000 00 
50,000 00 
12,000 00 

7,000 00 
20,000 00 
10,000 00 
13,000 00 

5,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
10,000 00 

19,000 00 
10,000 00 
15,000 00 
3,000 00 
2,000 00 
15,000 00 
31,000 CO 
70,000 00 
15,000 00 
85,000 00 
25,000 00 
85,000 00 
140,000 00 
125,000 00 
50,000 00 
50,000 00 
50,000 00 
20,000 00 
50,000 00 
28,000 00 
55,000 00 

150,000 00 
75,000 00 
25,000 00 
20,000 00 
25,000 00 



Market value. 

$18,300 00 
29,500 00 
13,650 00 
10,300 00 
60,000 00 
22,000 00 
23,520 00 
11,250 00 
59,000 00 
12,600 00 

7,560 00 
20,000 00 
10,000 00 
14,560 00 

5,600 00 
29,500 00 
27,500 00 
25,034 72 
25,000 00 
10,000 00 

19,950 00 

10,500 00 

15,225 00 

3,127 50 

2,050 00 

15,150 00 

31,930 00 

77,250 00 

18,300 00 

103,200 00 

28,500 00 

90,100 00 

148,200 00 

145,250 00 

64,000 00 

55,000 00 

61,500 00 

21,200 00 

55,000 00 

30,800 00 

65,750 00 

187,500 00 
80,000 00 
27,500 00 
25,600 00 
26,500 00 



130 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Keokuk and Des Moines R. R., first raort. 

bonds, 5^, 

Luke Shore R. R., mort. bonds, 7's, 

Lake Shore and Mich. So. R. R., first consol. 

bonds, 7's, 

Little Miami R. R , mortgage bonds, 6's, 

Michigan Central R. R. bonds, 7's, 

Minn, and St. Louis (Iowa Extension) R. R. 

first mortgage bonds, 7's, 
Michigan Southern and N. Ind. R. R. first 

g'l mortgage bonds, 7's, . 
Morris and Essex R.R. first mort. bonds, 7's, 
New York Central R. R. bonds, 6's, 
New York Cent and Hud. Riv. R. R first 

mortgage bonds, 7's, . 
New York and Harlem, first R.R. mortgage 

bond, 7's, 

New York, L. E. and West. R. R. first mort. 

bonds, gold, 7's, 

Pittsburgh, Ft. Wayne and Chic. R. R. first 

mortgage bonds, 7's, . . . . 

St. Johnsbury and Lake Champ. R. R. first 

mortgage bonds, 6's, . 
Vermont Valley R. R. bonds, 5's, 
Kansas Pac. R. R. first con. mort. bonds, 6^, 
Minneapolis Union R.R. gold mort. b'ds, 6's, 
Atlantic Mutual Ins. Co. scrip, 
50 shares Conn. River Co., 
500 " Albany and Susq. Railroad Co. 
150 " Central Ohio Railroad Co , 
1000 " Cleveland and Pittsburgh Rail- 
road Co., 

200 " Chicago, Burl, and Quincy Rail- 
road Co., 

200 " Chicago,R. I. and Pac. R.R. Co., 
200 " Conn. River R. R. Co. 
250 " Dubuque and Sioux City R. R 

Co., .... 

200 " Ft. Wayne and Jackson R. R 

Co., preferred, 
100 " Joliet and Chicago R. R. Co., 
200 " Keokuk and Des Moines R. R 

Co., preferred, 

1000 " Morris and Essex R.R. Co.,pref. 

800 " New York Cent. & H. R. R. R 

Co., .... 

1000 " New York, N. H. & H. R. R. 

Co., 

750 " Pittsb'g, Ft. W. & Chic. R.R. Co., 



Tar value. 

$40,000 00 
10,000 00 

65,000 00 
72,000 00 
60,000 00 



25,000 00 

100,000 00 

75,000 00 

175,000 00 

10,000 00 



55,000 00 
50,000 00 
25,000 00 
50,000 00 
36,420 00 

5,000 00 
50,000 00 

7,500 00 



20,000 00 
20,000 00 
20,000 00 



20,000 00 
10,000 00 

20,000 00 
50,000 00 



Market value. 

$40,800 00 
12,300 00 

78,750 00 
72,000 00 
72,300 00 



25,000 00 27,750 00 



26,500 00 

123,625 00 

79,875 00 

232,750 00 

12,800 00 



25,000 00 32,000 00 



241,000 00 312,260 00 



60,500 00 
53,000 00 
27,500 00 
53,500 00 
36,420 00 

1,000 00 
62,500 00 

6,900 00 



50,000 00 69,000 00 



25,150 00 
25,600 00 
32,800 00 



25,000 00 22,500 00 



17,400 00 

14,000 00 

7,000 00 

61,500 00 



80,000 00 102,400 00 



100,000 00 
75,000 00 



180,000 00 
103,500 00 



1882.] 



IXS. COS. OF OTHER STATES. 



131 



500 st 


iares 


100 


m 


200 


.. 


100 


M 


100 


H 


250 


M 


50 


II 


50 


II 



200 

200 
200 

355 

200 
150 

550 

500 

200 
981 

853 

250 
400 

300 

100 
500 
100 
300 

400 

100 

700 
200 

1200 
400 
200 



New York and Harlem R.R. Co 
Ashnelot R. R. < '<>., . 

Valley (New York) R. R. Co 
New Britain Nat. Bank, New 
Britain, Conn., 

First Nat. Bank, Albany, N. Y 
Farmers' and Mechanics' Nat 

Bank, Phila., Pa., . 
Merchants' Bank, St. Louis, Mo. 
Merchants' Nat. Bank,St. Louis 

Mo., .... 
Mechanics' Nat. Bank,St. Louis 

Mo., .... 
.Etna Nat. Bank, Hartford, Ct. 
American Nat. Bank, Hartford 

Conn., .... 
Charter Oak Nat. Bank, Hart- 
ford, Conn., 
City Nat. Bank, Hartford, Conn 
Conn. River Banking Co., Hart- 
ford, Conn., . 
National Exchange Bank, Hart 

ford, Conn., ... 
Farmers' and Mechanics 1 Nat 

Bank, Hartford, Conn., . 
First Nat. Bank, Hartford, Ct 
Hartford Nat. Bank, Hartford 

Conn., .... 
Phoenix Nat. Bank, Hartford 

Conn., .... 
State Bank, Hartford, Conn., 
American Exchange Nat. Bank 

N. Y., .... 
Nat. Butchers' and Drovers' B'k 

NY., .... 
National City Bank, N. Y., 
Nat. Bank of Commerce, N.Y. 
Hanover National Bank, X Y 
Importers' and Traders 1 Nat'l 

Bank, X. Y., . 
Bank of the Manhattan Co. 

N.Y., .... 
Market Nat. Bank, N. Y., . 
Merchants 1 Nat. Bank, N.Y., 
Merchants' Exchange National 

Bank, N. Y., .... 
Mechanics 1 Nat. Bank, N. Y., . 
Metropolitan Nat. Bank, N. Y., 
Nassau Bank, N.Y., . 



Par value. 

$25,000 00 
10,000 00 
20,000 00 

10,000 00 
10,000 00 

25,000 00 
5,000 00 

5,000 00 

20,000 00 
20,000 00 



35,500 00 
20,000 00 

7,500 00 

27,500 00 

50,000 00 
20,000 00 



85,300 00 
25,000 00 



7,500 00 
10,000 00 
50,000 00 
10,000 00 



20,000 00 
10,000 00 
35,000 00 

10,000 00 
30,000 00 
40,000 00 
10,000 00 



Market value. 

$50,000 00 
11,500 00 
18,600 00 

13,500 00 
16,000 00 

33,750 00 
500 00 

5,150 00 

20,600 00 
26,200 00 



10,000 00 14,400 00 



49,700 00 
18,000 00 

7,800 00 

41,250 00 

71,000 00 
24,000 00 



98,100 00 171,675 00 



148,422 00 
27,500 00 



40,000 00 54,400 00 



11,250 00 
26,000 00 
75,000 00 
13,500 00 



30,000 00 75,000 00 



28,000 00 
14,000 00 
45,500 00 

10,000 00 
45,000 00 
68,000 00 
12,000 00 



132 FIRE, MARINE, AND FIRE MARINE [Dec. 31, 



300 shares Bank of N. Y. Nat. Banking 

Asso., N. Y., . 
200 u Bank of North America, N. Y. 
300 " Phenix National Bank, N. Y., 
200 " People's Bank, N. Y., 
150 M Nat. Bank of the Republic,N.Y. 
50 " Third National Bank, N.Y., 
400 " Union National Bank, N. Y., 
150 " New York Life Ins. and T. Co. 

N. Y., . 

100 " United States Trust Co., N. Y. 
100 " Union Trust Co., N.Y., . 
100 " Central Trust Co., N.Y., . 
100 " Metropolitan Trust Co., N. Y 



Par value. Market value. 

$30,000 00 $43,500 00 

14,000 00 14,000 00 

6,000 00 5,700 00 

5,000 00 7,500 00 

15,000 00 20,250 00 

5,000 00 6,000 00 

20,000 00 31,000 00 

15,000 00 63,000 00 

10,000 00 43,000 00 

10,000 CO 30,000 00 

10,000 00 22,000 00 

10,000 00 12,500 00 

1,000,820 00 $7,349,916 72 



Securities held as collateral for cash loans : — 



750 00 



3,500 00 



5 shares Mercantile Nat. Bank, Hartford 

Conn., .... 
10 " American Nat. Bank, Hartford 
Conn., .... 

10 " National Exchange Bank, Hart- 

ford, Conn., . 
14 " Travelers' Ins. Co., Hartford 

Conn., .... 
22 " Hartford Bridge Co., Hartford 

Conn., .... 
224 " Broad Brook Co, Hartford,Conn. 
46 " New York,N. H. & Hartford R.R. 

21 " Willimantic Linen Co., Conn., 

22 " Holyoke Water Power Co., Mass. 
20 " Rockville Nat. Bank, Conn., 

7 " Second Nat. Bank, Springfield 
Mass., .... 

25 " Nat. Bank of Commerce, N, Y. 

25 " Mechanics Nat. Bank, N.Y., 
5 " Chicago & Alton R. R., 
3 " Chicago, Burl. & Quincy R. R., 

18 " Union Pacific R. R., . 

11 " Atchison, T. & Santa Fe R.R., 



Summary of Assets Dec. 31, 1882. 

("ash value of unencumbered real estate, . $358,000 00 
Loans on mortgage of r'l estate (first liens*) , 46,727 00 



Market value. Loaned thereon. 

$625 00 $500 00 
720 00 360 00 



500 00 



1,350 00 



3,960 00 


2,970 00 


14,000 00 


5,000 00 


8,280 00 


1,820 00 


1,638 00 


1,400 00 


4,840 00 


2,970 00 


2,400 00 


1,000 00 


1,155 00 


540 00 


3,750 00 \ 
937 50/ 


3,600 00 


670 00 


450 00 


375 00 n 




1,863 00 I 


2,430 00 


935 00 J 




$50,398 50 


$24,890 00 



* Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$64,000 00 
63,000 00 
36,400 00 



1882.] 



3. COS. OF OTHER STATES. 



133 



Interest due or accrued theron, . 

Stocks, bonds la per schedule, 

Loans on o listers] security, as per schedule 

in the office of the company, 
Cash deposited in various bank-. 
Interest due and accrued, 
Premium- in course of collection (gross), 

Gross assets, 

Deduct special deposit in Canada. 



$411 69 
7,349,916 72 
-4,890 00 
7,0b 
93- 

964 68 
332,970 24 



$9,054,610 58 
112,555 00 



Balance $8,942,055 58 



Liabilities. 
Losses adjusted, unpaid, 
Losses claimed and reported, 
Losses disputed or resisted, . 

Total amount of losses, 

Less reinsurance, .... 

X amount of unpaid losses, 
L'nearned premiums on outstanding r 
Reclaimable on perpetual fire policies, 
Due and accrued for printing, etc., 
Commissions and brokerage, 
Return premium^, .... 

Gross liabilities except capital, 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, 
Paid-up capital, 



$55,077 10 

150,733 27 

20,661 52 

$226,471 89 

00 

$223,971 89 

1.572,097 80 

11,069 40 

500 00 

43,031 50 

10,757 87 

$1,861,428 46 
43,074 42 



Surplus over capital, 

Income. 

Cash received for fire premiums, . . . $2,326,376 99 
Deduct reinsurance and return premiums, 158,422 93 

Net cash received for fire premiums, . . 

Cash ree'd for inland premiums, . . . $172,213 68 
Deduct reinsurance and return premiums, 24,302 82 

Xet cash ree'd for marine and inl'd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 



1,818,354 04 

$7,123,7'".l 54 
4,000,000 00 

$3,123,701 54 



12,167,954 06 



147,910 86 
3,576 18 

414,623 19 
9,442 56 



Deposits received for perpetual fire risks, 
Gross cash income, 



.$3,562 50 



$2,743,506 85 



134 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, .... 

Cash paid for inland losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, 

for incidentals, .... 

Deposit premium returned, .... 

Gross cash expenditures, 



$1,199,279 95 
57,666 53 
720,000 00 
362,741 89 
143,773 86 
45,720 72 
135,590 66 



1 60 



. $2,664,773 61 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 
Perpetual risks in force, 

Inland risks outstanding Dec. 31, 1881, 
written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$275,570,466 00 
232,478,592 00 

$508,049,058 00 
226,648,287 00 

$281,400,771 00 
2,901,781 00 

$278,498,990 00 
. $476,100 00 

$655,450 00 
59,841,638 00 



,497,088 00 
59,842,156 00 



Premiums. 

$2,944,813 07 
2,339,997 04 

$5,284,810 11 
2,245,031 86 

$3,039,778 25 
31,213 34 

$3,008,564 91 
$11,652 00 

26,064 95 
194,356 92 

$220,421 87 
201,546 27 



$654,932 00 $18,875 60 



Miscellaneous. 

Premiums received from organization of company, . 

Losses paid from organization of company, 

Cash dividends declared from organization of company, 

Dividends declared during the year (18 per cent), . 

Fire losses incurred during the year, 

Inland losses incurred during the year, . 

Company's stock owned by directors, 



$89,896,708 37 

54,658,994 11 

12,833,365 00 

720,000 00 

1,213,211 55 

82,661 02 

337,700 00 



1882.] INS. COS. OF OTHER STATES. 135 



ALBANY INSURANCE COMPANY, ALBANY, N. Y. 

[Incorporated March 8, 1811. Commenced business March 16, 1811. Reorganized 

Junel, 1881.] 

Paid-up Capital, $200,000. 

J. Howard King, President. John E. McElroy, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $200,000 00 $206,500 00 

Watervliet Turnpike and Railroad bonds, . 15,000 00 15,750 00 

$215,000 00 $222,250 00 

Summary of Assets Dec. 31, 1882. 
Loans on mortgage of real estate (first liens*) $55,000 00 



Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in various banks, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Gross assets, 



506 80 

222,250 00 

191 46 

87,101 32 

1,175 00 

54 38 



$366,278 96 



Liabilities. 

Losses claimed and reported, . . . $3,970 67 

Unearned premiums on outstanding risks, . 36,054 18 

State and local taxes, 2,812 50 

Gross liabilities, except capital, . . 42,837 35 

Surplus as regards policy-holders, . . . $323,441 61 
Paid-up capital 200,000 00 

Surplus over capital, $123,441 61 

Income. 

Cash received for fire premiums, . . . $60,171 44 
Deduct reinsurance and return premiums, . 3,374 51 

Net cash received for fire premiums, . . $56,796 93 

Interest received on bonds and mortgages, . . . 875 00 

Interest and dividends received from all other sources, . 10,921 82 

Gross cash income, $68,593 75 

Expenditures. 

Cash paid for fire losses, $21,58071 

Cash dividends paid, 20,000 00 

Cash paid for commissions and brokerage, . . . 7,635 21 

* Value of lands mortgaged $50,000 00 

Value of buildings thereon 60,000 00 

Amount of insurance held as collateral, . 38,175 00 



136 FIRE, MARINE, AXD FIRE-MARINE [Dec. 31, 

Cash paid for salaries of officers and employes, . . $9,300 00 
for State and local taxes, 1,050 62 



Gross cash expenditures, $59,566 54 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1881, . . $8,827,297 00 $71,245 52 
Fire risks written during 1882, . . . 7,962,242 00 60,133 61 



Total, $16,789,539 00 $131,379 13 

Deduct risks expired and terminated, . 7,764,797 00 59,740 36 



In force at end of year, . . . $9,024,742 00 $71,638 77 

Deduct amount reinsured, . . . 187,253 00 1,243 47 



Net amount in force, . . . $8,837,489 00 $70,395 30 

Miscellaneous. 
Premiums received from reorganization of company 

(June 1, 1881), $95,831 29 

Losses paid from reorganization of company, . . . 41,474 90 

Cash dividends declared from reorganization of company, 20,000 00 

Dividends declared during the year (10 per cent.), . . 20,000 00 

Fire losses incurred during the year, 25,281 48 

Company's stock owned by directors, .... 53,052 00 



AMERICAN INSURANCE COMPANY, NEWARK, N. J. 

[Incorporated Feb. 20, 1846. Commenced business April 1, 1846.J 
Paid-up Capital, $600,000. 

S. G. Gould, President. Fjred H. Harris, Secretary. 

Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $390,445 53 

Loans on mortgage of real estate (first liens*) , 603,97 1 75 

Interest due or accrued thereon, . . . 15,447 46 

United States bonds, 507,343 75 

Cash in the office of the company, . . 9,747 64 

Cash deposited in various banks, . . ' 53,135 65 

Premiums in course of collection (gross), . 16,307 47 

Rents due and accrued, .... 4,331 41 
Company's own stock, . . $70,000 00 
Expense on account mortgages, 485 72 
Premiums more than 3 mos. due, 1,988 36 

Gross assets, $1,600,037 66 

* Total value of property mortgaged $1,073,700 00 

Amount of insurance held as collateral, . . . 743,025 00 



1882.] 



INS. COS. OF OTHER STATES. 



137 



Liabilities. 

Losses adjusted, unpaid, 
Losses claimed and reported, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Commissions and brokerage, 
Dividends to policy-holders unpaid, . 
Gross liabilities except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



$9,559 00 

16,332 04 

147,040 57 

5,981 75 

2,767 94 

13,417 00 



$195,098 30 



Surplus over capital, 

Income. 

Cash received for fire premiums, . . $252,517 84 

Deduct reinsurance and return premiums, . 19,159 42 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, . 

Income from rents, 



. $1,405,632 36 
600,000 00 



5,632 36 



$233,358 42 
34,437 10 
27,150 00 
10,341 99 



Gross cash income, 



$305,287 51 



Expenditures. 

Cash paid for fire losses, .... $86,893 18 
Deduct salvage and reinsurance, . . . 2,212 55 

Net cash paid for fire losses, . . . 

Cash dividends paid stockholders, 

Dividends paid policy-holders, .... 
Cash paid for commissions and brokerage, 

salaries of officers and employes, . 

State and local taxes, 

repairs and incidentals, . 

Gross cash expenditures, .... 



$84,680 63 
59,726 00 
12,732 00 
34,986 17 
31,780 00 
8,572 36 
16,179 08 



$248,656 24 



Fire risks outstanding Dec. 31, 1881, . 
Fire risks written during 1882, . 



Risks and Premiums. 

Premiums. 

. $29,638,963 00 $243,398 69 
. 33,772,933 00 256,298 59 



Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 



,411,896 00 $499,697 28 
29,722,981 00 210,919 58 



$33,688,915 00 $288,777 70 
968,350 00 8,619 87 



Net amount in force, 



$32,720,565 00 $280,157 83 



138 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$3,019,1-45 50 

990,873 48 

1,175,068 26 

60,000 00 

97,319 86 

39,215 00 



AMERICAN CENTRAL INSURANCE COMPANY, ST. 

LOUIS, MO. 

[Incorporated February, 1853. Commenced business February, 1853.] 

Paid-up Capital, $600,000. 

George T. Cram, President. Charles Christensen, Secretary. 



Detailed Statement of 



United States bonds, 
Missouri State bonds, . 
St. Louis Central R R. Bonds, 
Missouri Pacific R.R. bonds, 
North Missouri R.R. bonds, 
St. Louis County Park bonds, 
Laclede Gaslight Co bonds, 
Laclede Gaslight Co. stock, . 
St. Louis Gaslight Co. stock, 
Commercial Bank stock, 
Third National Bank stock, . 
Mechanics' Bank stock, 
St. Louis National Bank stock, 
Bank of Commerce stock, . 



Stocks, Bonds, etc. 

Par value. 

$100,000 00 
309,000 00 
75,000 00 
76,000 00 
25,000 00 
15,000 00 

5,000 00 
20,000 00 

1,900 00 
10,000 00 
13,000 00 
11,100 00 

5,000 00 
10,000 00 



Market value. 

$130,000 00 
355,350 00 
75,000 00 
84,585 00 
31,250 00 
18,000 00 

5,250 00 
25,500 00 
11,875 00 
32,500 00 
13,000 00 
12,099 00 

5,700 00 
50,000 00 



576,000 00 $850,109 00 



Securities held as collateral for cash loans : — 

Market value. 

St. Louis Cotton Compress Co., . . . $350,000 00 
St. Louis Gaslight Co. stock, . . . 27,812 50 



Loaned i hereon. 

$175,000 00 
20,000 00 



$377,812 50 $195,000 00 



Summary of Assets Dec. 31, 1882. 



Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), . 
Gross assets, 



$850,109 00 

195,000 00 

8,834 54 

59,502 92 

2,640 00 

72,277 27 



$1,188,363 73 



1882.] 



INS. COS. OF OTHER STATES. 



139 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, . 
Less reinsurance, ..... 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, . . . . . 



$21,275 55 

25,737 00 

8,265 00 

$55,277 55 

7,251 46 



$48,026 09 

295,401 47 

185 00 

10,916 60 



Surplus over capital, 



Income. 

Cash received for fire premiums, . . $624,926 51 

Deduct reinsurance and return premiums, 137,359 22 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, 
Income from all other sources, 

Gross cash income, 



$354,529 16 

$833,834 57 
600,000 00 

$233,834 57 



$487,567 29 

62,644 50 

701 00 

$550,912 79 



Expenditures. 
Cash paid for fire losses, .... $300,782 12 
Deduct salvage and reinsurance, . . 34,827 15 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

paid for commissions and brokerage, 

salaries of officers and employes, 
State and local taxes, .... 
rent and incidentals, .... 

Gross cash expenditures, 



$265,954 97 
68,023 50 
68,664 70 
36,035 25 
7,949 58 
53,522 11 

1500,150 11 



Fire risks outstanding Dec. 31, 1881, . 
written during 1882, . 



Risks and Premiums. 

Premiums. 

$35,144,647 00 $517,140 50 
. 40,478,670 00 603,354 82 



Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



75,623,317 00 $1,120,495 32 
33,715,739 00 504,085 69 



$41,907,578 00 $616,409 63 
. 2,863,249 00 52,125 99 



$39,044,329 00 $564,283 64 



140 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
(ash dividends declared from organization of company, 
Dividends declared during the year, .... 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$7,065,021 11 

3,794,265 59 

432,972 70 

07,635 00 

263,547 13 

60,795 00 



AMERICAN EXCHANGE FIRE INSURANCE COMPANY, NEW 

YORK, N. Y. 

[Incorporated Feb. 28, 1859. Commenced business March 1, 1859.] 

Paid-up Capital, $200,000. 

William Raynor, President. Thomas Clark, Jr., Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Par value. 

United States bonds, $139,000 00 

100 shares Chicago and Northwestern R. R , 10,000 00 

200 " N. Y. Central and H. R. R. R., . 20,000 00 

200 " Western Union Tel. Company, . 20,000 00 

Western Union Telegraph Co. bonds, .. 2,000 00 

100 shares American Exchange Bank, . 10,000 00 

25 " Fourth National Bank, . . 2,500 00 



Market value. 

$165,292 50 
13,650 00 
25,400 00 
16,350 00 
2,320 00 
13,000 00 
3,150 00 



$203,500 00 $239,162 50 



Securities held as collateral for cash loans : — 



Central Pacific Railroad bonds, . 
Union Pacific Railroad bonds, 
Central of N. J. Railroad bonds, 
Lehigh and Wilksbarre, 



Market value. 

$1,135 00^ 
1,180 00 " 



Loaned thereon- 



1,170 00 i 
800 00 J 



)■ $3,500 00 



$4,285 00 



Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $20,000 00 

Loans on mortgage of real estate (first liens*), 6,000 00 

Interest due or accrued thereon, . . . 120 00 

Stocks, bonds, etc., as per schedule, . . 239,162 50 

Loans on collateral security, as per schedule, 3,500 00 

Cash in the office of the company, . . 268 49 



♦Value of lands mortgaged, .... $5,00000 

Value of buildings thereon 8,000 00 

Amount of insurance held as collateral, . . 7,500 00 



1882.] 



INS. COS. OF OTHER STATES. 



141 



Cash deposited in bank, 

Interest clue and accrued, 

Premiums in course ot collection (gross), 

Rents due and accrued, 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

Total amount of losses, 

Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Commissions and brokerage, 

Miscellaneous, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$13,934 67 

1,579 47 

4,592 87 

50 00 



$1,662 32 

95 00 



$289,208 00 



,757 82 
15 00 



$1,742 32 




19,057 23 




400 00 




688 93 




475 00 







.22,363 48 



$266,844 52 
200,000 00 



Surplus over capital, .... 

Income. 

Cash received for fire premiums, . 

Deduct reinsurance and return premiums, . 

Net cash received for fire premiums, . 

Cash received for marine and inland premiums, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Return tax, profits, etc., .... 

Gross cash income, .... 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and reinsurance, . 
Net cash paid for fire losses, 
Cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of ofBcers and employes, 
for State and local taxes, . 
for rent and incidentals, 



. 


$66,844 52 


$44,936 34 




8,794 90 







$36,141 44 


i 


620 64 


. 


360 00 


>ources, 


14,360 46 


. 


315 00 


. 


4,294 40 


. 


$56,091 94 


$8,046 82 




400 35 







$7,646 47 




1,666 67 




19,870 00 




4,166 65 




13,266 64 




1,377 66 




7,132 36 



Gross cash expenditures, 



$55,126 45 



142 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total, . ' 

Deduct risks expired and terminated, . 

In force at end of year, 



. $8,956,415 00 
. 11,307,396 00 

$20,263,811 00 
10,562,211 00 

$9,701,600 00 
719,969 00 



$18,500 00 
78,500 00 

§127,000 00 
101,000 00 

$26,000 00 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



Premiums. 

$35,894 51 
45,922 16 

$81,816 67 
42,466 40 

$39,350 27 
3,995 42 



1,981,631 00 $35,354 85 



$2,167 50 
620 64 



$2,788 14 
2,285 64 



$502 50 



1,495,164 00 

566,784 00 

345,000 00 

20,000 00 

8,403 78 

60,100 00 



AMERICAN FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April 30, 1857. Commenced business May 1, 1857.] 

Paid-up Capital, $400,000. 

James M. Halsted, President. David Adee, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Delaware & Hudson Canal Co. bonds, 
133 shares Delaware & Hudson Canal Co 
900 " Harlem Gas Light Co., 
400 " Rensselaer & Saratoga R.R., 
100 " National Bank of Commerce, 
250 " American Exch. Nat'l Bank, 

40 " Bank of the State of New York 
391 " Merchants 1 National Bank, 

10 " Third National Bank, . 
100 M Mercantile; Trust Co., . 



Par value. 

$550,000 00 
50,000 00 
13,300 00 
45,000 00 
40,000 00 
10,000 00 
25,000 00 

4,000 00 
19,550 00 

1,000 00 
10,000 00 



Market value- 

$622,500 00 
58,250 00 
14,364 00 
42,750 00 
56,800 00 
15,000 00 
33,000 00 

5,200 00 
25,806 00 

1,150 00 
15,000 00 



$767,850 00 $889,820 00 



1882.-] IXS. COS. OF OTHER STATES. 



143 



Securities held as collateral for cash loans : — 

20 shares Equitable Life Ins. Society, 
10 
4 
60 

104 

200 

5 

55 



American Exch Xat'l Bank, 
Bank of New York, 
Merchants 1 National Bank, 
Bank of the State of New York, 
Dela. A Hudson Canal Co., 
Equitable Life Assu. Society, 
Mercantile Safe Deposit Co., 



} 16,000 Oo 



Market value. Loaned thereon. 

|5,000 00 ? 4,000 00 
1,300 00 >, 

580 00 

3,900 00 

20 oo 

21,600 00 

1,250 00 

11. "00 00 



15,000 00 
7,000 00 



$58,150 00 §42,000 00 



Summary of Assets Dec. 31, 1882. 

Loans on mortgage of real estate (first liens*), f 108,720 00 

Interest due or accrued thereon, . . . 1,333 86 

Stocks, bonds, etc., as per schedule, . . 889,820 00 

Loans on collateral security, as per schedule, 42,000 00 

Cash in the office of the company. . . 9,742 24 

deposited in bank, .... 33,037 57 

Interest due and accrued, .... 1,241 05 

Premiums in course of collection (gross), . 72 
Premiums more than 3 months due, §971 65, 

Gross assets,f 

Liabilities. 

Losses adjusted, unpaid, .... §10,566 00 

Unearned premiums on outstanding risks, . 119,178 30 

Unpaid scrip ordered to be redeemed, . 2,680 00 

Interest due or accrued on scrip, . . . 3,871 89 

Accrued for rent, 1 ,334 00 

State and local taxes, 2,724 61 

Commissions and brokerage, . . . 10,315 34 

Return premiums, 258 39 

Gross liabilities, except capital and scrip, 

Surplus as regards policy-holders, 

Paid-up capital, $400,000 00 

Scrip outstanding, not ordered to be red'm'd, 302,455 00 



§1,110,065 44 



Surplus over capital and scrip, . 

iNCOilE. 

Cash received for fire premiums, 

Deduct reinsurance and return premiums, 

Net cash received for fire premiums, . 



§247,567 59 
30,032 78 



150,928 53 
§959,136 91 



702,455 00 
§256,681 91 



£217,534 81 



* Total value of property mortgaged, . . $236,500 00 
Amount of insurance held as collateral, . 116,100 00 

t Including $200,000 Special Reserve Fund, held under New York law. 



144 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Interest received on bonds and mortgages, . . . $5,854 03 

Interest and dividends received from all other sources, . 4.0,414 97 

Income from rents, 996 67 

Gross cash income, $264,800 48 



Expenditures. 

Casli paid for fire losses, .... $111,606 06 
Deduct salvage and reinsurance, . . . 14,932 64 

Net cash paid for fire losses, . . 

Cash dividends paid, 

Cash paid for redemption of scrip, 

Interest paid scrip-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, . 

for State and local taxes, . 

for rent, 

for incidentals, 

Gross cash expenditures, .... 



$96,673 42 

34,000 00 

510 00 

1,203 96 

30,785 90 

21,832 18 

3,254 34 

8,025 00 

13,382 18 

$209,666 98 



Fire risks outstanding Dec 31, 1881, 
written during 1882, . 



Risks and Premiums. 

Premiums- 

$40,433,114 00 §169,833 32 
. 68,631,862 00 265,393 09 



Total, 

Deduct risks expired and terminated, 

Tn force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$109,064,976 00 $435,226 41 
. 51,876,227 00 184,195 37 



$57,188,749 00 $251,031 04 
. 4,741,706 00 22,115 40 



$52,447,043 00 $228,915 64 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8^ per cent), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



53,925,643 00 

1,227,239 00 

958,000 00 

34,000 00 

96,964 80 

110,250 00 



1882.] 



INS. COS. OF OTHER STATES. 



145 



AMERICAN FIRE INSURANCE COMPANY, PHILADELPHIA, 

PENN. 

[Incorporated Feb. 28, 1810. Commenced business March 12, 1810.] 

Paid-up Capital, $400,000. 

Thomas H. Montgomery, Pres. Albert C. L. Crawford, Sec'y. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Harrisburg, P., Mt. Joy and L. R. R. bonds 
Delaware Railroad Company bonds, . 
Susquehanna Canal Company bonds, . 
Chesapeake and Delaware Canal Co. bonds 
Delaware Division Canal Company bonds 
North Pennsylvania Railroad bonds, . 
Schuylkill Navigation Company bonds, 
Lehigh Coal and Navigation Co. bonds, 
Shamokin Valley and P. Railroad bonds, 
Philadelphia and Reading Railroad bonds, 
Elmira and Williamsport Railroad bonds, 
Del. & R., and C. & A. R.R. & T. Co. bonds 
American Steamship Company loan, . 
Pennsylvania Railroad Company bonds, 
Phila. Wilmington, and Bait. R. R. bonds 
Railway-car Trust of Pennsylvania bonds, 
New York and Pacific Car Trust Co bonds 
Northern Pacific Railroad Company bonds 
Chicago and W. Indiana R. R. Co. bonds, 
Philadelphia and Erie R. R. Co. bonds, 
Belt Road and Stock Yard Company bonds 
New York and Long Branch R. R. bonds, 
210 shares North Pennsylvania Railroad, 
N. Y., Lacka., and Western R. R. bonds, 
Pennsylvania Car Trust, series C, 
Louisville & Nashville Car Trust Company 
Norfolk & Western R. R. Company bonds, 
Huntington & B T. Mountain R. R. bonds, 
Delaware & Chesapeake R. R bonds, . 
Phila. & Bait. Central R. R. Co. bonds, 



Par value. 

$350,000 00 
10,000 00 

5,000 00 

7,000 00 
10,000 00 
15,000 00 
18,000 00 
13,225 00 
40,000 00 
20,000 00 
22,100 00 

1,000 00 
21,000 00 
15,000 00 
40,000 00 
10,000 00 
36,000 00 
2:5,000 00 
40,000 00 
30,000 00 
20,000 00 
20,000 00 
15,000 00 
10,500 00 
50,000 00 
50,000 00 
10,000 00 
10,000 00 
10,000 00 

5,000 00 
25.000 00 



Market value. 

$380,325 00 

10,400 00 

6,000 00 

3,750 00 

8,800 00 

15,450 00 

19,460 00 

13,882 50 

43,700 00 

28,800 00 

21,279 00 

1,000 00 

26,880 00 

15,750 00 

48,400 00 

10,600 00 

36,000 00 

23,000 00 

42,100 00 

33,000 00 

20,600 00 

21,000 00 

15,000 00 

12,908 75 

55,000 00 

50,000 00 

10,000 00 

9,700 00 

8,900 00 

4,400 00 

25,000 25 



$954,825 00 $1,016,085 25 



Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

44 shares Lehigh Valley R. R. Company, . $2,772 00 $2,000 00 

Camden and Atlantic Railroad bonds, . . 1,200 00 1,000 00 

United States bonds, 2,407 50 2,000 00 



146 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Huntington and B. T. Mount'n R. R. bonds 
200 shares Lehigh Coal and Navigat'n Co. 

25 " Northern Central R. R. Co., 
351 " Pennsylvania R. R. Co., 
100 " Pennsylvania R. R. Co., 
100 " Phila. and Reading R. R. Co., 
500 " Lehigh Coal and Navigation Co. 
Schuylkill Navigation Company bonds, 
Phila. and Reading R. R. Company bonds, 
Steubenville and Indiana R. R. Co. bonds, 
Texas and Pacific R. R. Co. loan, 
120 shares Charleston, S. C Mf'g & M. Co. 
Phila. and Reading R. R. Co. bonds, . 

72 shares Charleston, S. C, Mf'g & M. < o. 
200 " Northern Central R. R. Co., 
Pittsburg, Cinn. and St. L. R. R. Co. bonds 



Market value. 

$2,670 00 
7,750 00 
1,418 75 

•20,928 37 
5,962 50 
2,662 50 

19,375 00 
8,800 00 
4,248 00 
1,060 00 

10,065 00 

18,000 00 
134,000 00 

lo,800 00 

11,350 00 
1,190 00 



Loaned thereon. 

$10,000 00 

19,000 00 
7,500 00 

16,000 00 
10,000 00 

750 00 
20,000 00 

100,000 00 
2,000 00 

11,000 00 



$266,659 62 $201,250 00 



Summary of Assets Dec. 31, 1882. 
Cash value of unencumbered real estate, . $151,353 34 
Loans on mortgage of real estate (first liens*), 281,889 50 



Interest due or accrued thereon, . 
Stocks, bonds, etc , as per schedule, 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
Cash deposited in the Bank of No. America 
Interest due and accrued, 
Premiums in course of collection (gross), 
Rents due and accrued, 

Gross assets, 

Liabilities. 
Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends to stockholders unpaid, 
Commissions and brokerage, 

Gross liabilities except capital, 

Surplus as regards policy holders, 
Paid-up capital, 

Surplus over capital, 



5,668 72 

1,016,085 25 

201,250 00 

1,308 01 

16,662 62 

1,616 76 

36,597 95 

99 99 



$1,712,532 14 



$19,006 47 

33,792 00 

8,000 00 

837,11? 24 

285,897 07 

735 00 

448 87 



684,998 15 



$1,027,533 99 
400,000 00 

$627,533 99 



* Value of lande mortgaged $22.s,600 oo 

Value ol tmlldlnga thereon, 40:5,000 00 

Amount of iimurance held as collateral, .... 210,78500 



1882.] 



INS. COS. OF OTHER STATES. 



147 



Income. 

Cash received for fire premiums, . . . $636,274 50 
Deduct reinsurance and return premiums, . 66,801 12 

Net cash received for tire premiums, . . $569,473 38 

Interest received on bonds and mortgages, . . . 15,876 89 

Interest and dividends received from all other sources, . 48,766 98 

Income from rents, 8,649 93 

Deposits received for perpetual fire risks, . $15,915 86 

Gross cash income, $642,767 18 



Expenditures. 

Cash paid for fire losses, .... $344,866 31 
Deduct salvage and reinsurance, . . 12,006 (j6 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

salaries of officers and employes, 
State and local taxes, 
incidentals, .... 

Gross cash expenditures, 



$332,859 65 
39,290 00 
93,991 87 
88,925 52 
18,902 83 
5,963 05 



$579,932 92 



Fire risks outstanding Dec. 31, 1881, . 
Fire risks written during 1882, . 



Risks and Premiums. 

Premiums 

. $42,017,887 00 $456,425 67 
. 59,895,015 00 656,503 78 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 

Perpetual risks in force, 



$101,912,902 00 $1,112,929 45 
. 46,069,483 00 462,702 46 



. $55,843,419 00 $650,226 99 
. 1,257,223 00 16,654 14 



. $54,586,196 00 $633,572 85 
. $11,397,402 00 $300,944 27 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



58,053,585 41 
4,970,044 80 
2,172,975 50 

40,000 00 
352,676 62 

18,800 00 



148 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



ATLANTIC FIRE AND MARINE INSURANCE COMPANY, 
PROVIDENCE, R. I. 

[Incorporated May, 1852. Commenced business June, 1852.] 

Paid-up Capital, $200,000. 

J. S. Parish, President. T. W. Hayward, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

100 shares National Bank of Commerce, $5,000 00 
118 " Weybosset National Bank, 5,650 00 

200 " Merchants 1 National Bank, 10,000 00 

169 " Fourth National Bank, . . 16,900 00 
10 " Rhode Island Safe Deposit Co., . 1,000 00 

143 " Chicago and Alton R. R. Co., 14,300 00 

200 " Michigan Central Railroad Co., 20,000 00 



Market value. 

$5,700 00 
7,119 00 
13,800 00 
19,942 00 
1,000 00 
19,162 00 
20,000 00 



Summary of Assets Dec. 

Cash value of unencumbered real estate, . 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in Fourth National Bank, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, .... 

Reinsurance due, 

Gross assets, . .... 

Liabilities. 
Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., 
Due for borrowed money, . 
Commissions and brokerage, 
Reinsurance, ..... 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 

Income. 
Cash received for fire premiums, 
Deduct reinsurance and return premiums, 
Net cash received for fire premiums, . 



$72,850 00 $86,723 00 

31, 1882. 

$153,280 26 

86,723 00 

865 58 

1,569 15 

6,355 25 

735 00 

3,659 70 

750 00 



$2,469 81 

3,056 25 

3,000 00 

23,818 8'2 

139 00 

229 80 

7,056 00 

1,100 76 

70 20 



$253,937 94 



40,940 64 

$212,997 30 
200,0 DO 00 

$12,997 30 



$53,574 15 
9,533 98 



$44,040 17 



1882.] 



INS. COS. OP^ OTHER STATES. 



149 



-h received from marine and inl'd prem's, $14,775 32 
Deduct reinsurance and return premiums, 7,628 00 

Net cash recYl for marine and inl'd prem's, 

Interest and dividends received from all sources, 
Income from rents, 

Gross cash income, ....... 

Expenditures. 

Cash paid for fire losses. .... $27,91858 
Deduct salvage and reinsurance, 84 39 

Net cash paid for fire losses, . . 

Cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 
salaries of officers and employes, 
Suite and local taxes, .... 
expenses on real estate 

Gross cash expenditures, ..... 
Risks and Premu 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 

Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total 

Deduct risks expired and terminated. 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



$5,943,808 00 
'2,760 00 

111,030,568 00 
6,417,646 00 

$4,618,922 00 
' 251,439 00 



$7,147 32 
3,019 29 
9,526 18 

$63,732 96 



$27,834 19 
3,377 95 
11,911 00 
6,979 40 
9,437 27 
1,645 97 
4,300 01 

$65,485 79 



Premiumi. 

$68,969 54 
48,330 03 

$117,299 57 
68,136 98 

$49,162 59 
2,995 25 



$4,367,483 00 $46,167 34 



$248,910 00 
1,827,175 00 

$2,076,085 00 
1,863.885 00 

$212,200 00 
126,245 00 

$85,955 00 



$4,588 24 
13,306 09 

? 17,894 33 
15,421 17 

$2,473 16 
1,773 26 



$699 90 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of comDanv. 
Dividends declared during the year (6 per cent.), 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year. . 
Company's stock owned by directors, .... 



$3,232,293 88 

2.427,504 69 

365,000 00 

12,000 00 

31,307 85 

1,586 29 

61,566 66 



150 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



ATLANTIC MUTUAL INSURANCE COMPANY, 
NEW YORK, N. Y. 

I Incorporated April 11, 1842. Commenced business April 11, 1842.] 

John I). Jones, President. Joseph H. Chapman, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



American Exchange Bank stock, 

Bank of America stock, 

Bank of Commerce stock, . 

Bank of New York stock, . 

Leather Manufacturers' Bank stock, 

Merchants' Bank stock, 

Mechanics' Bank stock, 

Manhattan Company stock, . 

Market Bank stock, 

Metropolitan Bank stock, 

Phenix Bank stock, 

Union Bank stock, 

New York State bonds, 

New York Central Railroad bonds, 

New York, L. E. & Western Railroad 

Delaware & Hudson Canal Company 

New York city and county bonds, 

Brooklyn city bonds, . 

Kings county bonds, 

Jersey City bonds, 

District of Columbia bonds, 

United States bonds, 



bonds, 
bonds, 



Par value. 

$40,000 00 

100,000 00 

20,000 00 

43,000 00 

15,600 00 

65,150 00 

45,900 00 

13,550 00 

25,000 00 

33,700 00 

24,440 00 

32,000 00 

45,C00 00 

39,000 00 

100,000 00 

87,000 00 

400,600 00 

122,000 00 

23,000 00 

100,000 00 

310,000 00 

8,735,000 00 



Market value. 

$36,000 00 

100,000 00 

20,000 00 

43,000 00 

15,600 00 

65,150 00 

45,900 00 

13,550 00 

22,500 00 

33,700 00 

17,108 00 

32,000 00 

45,000 00 

33,150 00 

80,000 00 

78,300 00 

380,600 00 

109,800 00 

20,700 00 

90,000 00 

217,000 00 

7,475,500 00 



$10,419,940 00 $8,974,558 00 



Securities held as collateral for cash loans : — 

Market value. 



Importers' and Traders' Bank stock, . 
Atlantic State Bank (Brooklyn) stock, 
Lake Shore and Mich. Southern R.R. stock 
Union Pacific Railroad stock, 
St. Louis & Iron Mountain Railroad bonds, 
Louisville & Nashville Railroad bonds, 
Chicago and Eastern Illinois R. R. stock, 
Chicago, Mil. & St. Paul Railroad stock, 
St. Paul, Minn. & Manitoba Railroad stock 
Pacific Railroad of Missouri bonds, 
Louisville and Nashville Railroad bonds, 
Missouri Pacific Railroad stock, . 
Bank of the State of New York stock, 



$26,000 00 

18,00() 0!) 
5,700 00 
10,300 no 
16,500 00 
14,400 00 > 



} 



21,ooo oo • 



10,800 00 J 

1 1,500 00 J 
1:5,200 00 "i 
26,100 00 j 



21,000 00 



Loaned thereon. 

$12,500 00 
12,000 00 

14,000 00 

10,000 00 

50,000 00 



50,000 00 



10,000 00 J 



1882.] 



INS. COS. OF OTHER STATES. 



151 



Louisville and Nashville Railroad bonds, . 
Chicago, Milwaukee & St. Paul R. R. stock, 
St. Paul, Minn, and Manitoba R. R. stock, . 
Chicago, Burlington & Quincy R.R. stock, . 
Wabash, St. Louis & Pacific R. R. bonds, . 
Lake Erie & Western Railroad bonds, 
St. Louis and Iron Mountain R.R. bonds, . 
New York and Harlem Railroad stock, 
New York Central and Hudson R. R. stock, 
Michigan Central Railroad stock, 
Chicago, Burlington & Quincy R.R. stock, . 
Central Pacific Railroad stock, 
Delaware, Lackawana & Western R.R. stock, 
Louisville, N. A. & Chicago R.R. stock, 
Houston and Texas Central R.R. stock, 
Central Railroad of New Jersey stock, 
Metropolitan Trust Company stock, 
Rensselaer & Saratoga Railroad stock, 
Pennsylvania Coal Company stock, 
Union Coal Company bonds, 

New York Central & Hudson R.R. stock, . 

Central Pacific Railroad of California, stock, 

Chicago and Northwestern Railroad bonds, 

Cincinnati city bonds, ..... 

Wabash, St. Louis & Pacific R. R. bonds, . 

Adams Express Company stock, . 

Chicago & Northwestern Railroad stock, . 

Chicago & Northwestern Railroad stock, . 

Delaware,Lackavvana & Western R.R. stock, 

Lake Shore & Michigan So. R.R. stock, 

Morris & Essex Railroad stock, . 

Chesapeake & Ohio Railroad bonds, . 

Missouri, Kansas & Texas Railroad bonds, . 



Market value. 

$85,500 00 ^ 
12,500 00 ' 



Loaned thereon. 



14,500 00 
12,500 00 J 
17,000 0i)\ 
10,000 00 
5,500 00 
50,000 00 
25,400 00 
19,800 00 
1,200 00 y 
4,200 00 
64,000 00 
6,500 00 
7,800 00 
30,000 00 
62,500 00 
196,000 00 \ 
10,000 00/ 
65,000 00 
63,500 00 
4,250 00 
120,000 00 
123,500 00 
47,000 00 
6,500 00 
19,400 00 
7,400 00 
19,200 00 



). $100,000 00 



} 



15,200 00 

45,000 00 
21,600 00 



} 



250,000 00 



150,000 00 

50,000 00 

50,000 00 

4,000 00 

100,000 00 

100,000 00 

39,000 00 

20,000 00 

6,000 00 
15,000 00 

3,000 00 
40,000 00 



$1,402,950 00 $1,075,500 00 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash in bank and with English bankers, 
Notes taken for marine and inland risks, 
Gross assets, 



31, 1882. 
$250,000 00 
8,974,558 00 
1,075,500 00 
1,146,042 00 
1,725,575 02 
$13,171,675 02 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 



$149,109 34 

2,042.593 66 

62,000 00 



152 FIEE, MARINE, AND FIRE-MARINE [Deo. 31. 



Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, . 
Return premiums, .... 

Miscellaneous, 

Gross liabilities, except scrip, 



$1,539,232 58 

195,000 00 

38,337 55 

198,337 92 

14,068 78 



Surplus as regards policy-holders, 
Scrip outstanding, not ordered to be redeemed, 

Surplus over scrip, 



$4,238,679 78 

$8,932,995 24 
6,956,420 00 

$1,976,575 24 



Income. 

Cash received for marine and inl'd prem's, . $4,339,860 42 
Deduct re-insurance and return premiums, . 526,204 86 



Net cash rec'd for marine and inl'd prem's, 

Interest and dividends received from all sources, 
Income from rents, 



Gross cash income, 



- $3,813,655 56 

570,931 88 

18,550 00 

. $4,403,137 44 



Expenditures 

Cash paid for marine and inland losses, . $2,013,767 35 
Deduct salvage and reinsurance, . . 124,584 27 

Net cash paid for marine and inland losses, 

Cash paid for redemption of scrip,' 

Interest paid scrip-holders, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, 

Gross cash expenditures, 



$1,889,183 08 

1,769,660 00 

444,434 60 

21,633 49 

356,454 29 

47,939 00 

$4,529,304 46 



Risks and Premiums. 

Premiums. 

Marine risks outstanding Dec. 31, 1881, $94,927,712 00 $1,516,844 85 
Marine risks written during 1882, 357,314,839 00 4,412,693 58 



Total, $452,242,551 00 $5,929,538 43 

Deduct risks expired and terminated, . 354,561,617 00 4,390,305 90 



In force at end of year, 



$97,680,934 00 $1,539,232 53 



Miscellaneous. 
Scrip dividends declared during the year, . . . .$1,413,500 00 

Marine and inland losses incurred during the year, , . 'J,<KS7,161 77 



1882.] 



INS. COS. OF OTHER STATES. 



1.53 



BUFFALO GERMAN INSURANCE COMPANY, BUFFALO, N. Y. 

[Incorporated Feb. 15, 1867. Commenced business Feb. 16, 1867.] 

Paid-up Capital, $200,000. 

Philip Becker, President. Oliver J. Eggert, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $380,000 00 $440,400 00 

Citv warrants 971 70 971 70 



Securities held as collateral for cash loans : 

Citizens' Gas Company bonds, 

Third National Bank stock, .... 

German Bank stock, 

Buffalo and So. Western R. R. bonds, . 
Buffalo, N. Y., and Phila. R. R. bonds, 
Union Fire Insurance Co (Buffalo) stock, . 
Toledo city water bonds, .... 



$380,971 70 $441,371 70 



Market value. Loaned thereon 



>30,000 ()() 
5,000 00 

7,500 00 
11,770 00 
7,700 00 
2,200 00 
2,500 00 



&2 4,000 00 
10,000 00 

15,000 00 

1,800 00 
1,400 34 



$66,670 00 $52,200 34 



Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, $275,000 00 

Loans on mort of real estate (first liens*), 51,883 87 

Interest due or accrued thereon, . . . 119 25 

Stocks, bonds, etc., as per schedule, . 441,371 70 

Loans on collateral security, as per schedule, 52,200 34 

Cash in the office of the company, . . 4,497 93 

Cash deposited in various banks, . . . 75,789 06 

Premiums in course of collection (gross), . 32,275 67 

Notes taken for marine and inland risks, . 3,490 22 

Rents due and accrued, .... 312 50 

Gross assets, f 



$936,940 54 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 



$4,579 98 

11,355 00 

700 00 



* Value of lands mortgaged $102,650 00 

Value of buildings thereon 72,150 00 

Amount of insurance held as collateral, . . . 49,900 00 

t Including $200,000 special reserve fund, held under New York law, 



154 FIKE, MARINE, AND FIRE-MARINE [Dec. 31, 



1'nearned premiums on outstanding risks, 
Commissions and brokerage, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 

Income. 

Cash received for fire premiums, 

Deduct reinsurance and return premiums, 

Net cash received for fire premiums, . . — 

Interest received on bonds and mortgages, 

Interest and dividends rec'd from all other sources, 

Income from rents, 

Brokerage, 



$220,066 39 
6,034 32 



$418,293 13 
67,489 09 



Gross cash income, ' 

Expenditures. 

Cash paid for fire losses, .... $201,417 83 
Deduct salvage and reinsurance, . . . 10,619 45 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, 

for State and local taxes, . 

for expense on real estate, . 

for incidentals, 

Gross cash expenditures, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



$39,915,069 00 
. 40,899,711 00 



,814,780 00 
. 38,175,323 00 

$42,639,457 00 
756,789 00 



$242,735 69 

$694,204 85 
200,000 00 

$494,204 85 



$350,804 04 

2,918 39 

19,871 78 

14,460 49 

1,969 31 

$390,1)24 01 



$190,898 38 
30,000 00 
68,827 31 
17,411 58 
7,661 85 
7,475 88 
18,967 98 

$341,242 98 



Premiums. 

$391,554 95 
409,149 54 



,704 49 
372,654 49 



$428,050 00 
6,888 27 



$41,882,668 00 $421,161 73 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (15 per cent), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$2,946,484 61 

1,337,795 32 

375,925 00 

30,000 00 

171,432 69 

67,000 00 



82.] 



IV- < « >S. OF OTHER STATES. 



155 



( ITIZENS" INSURANT K COMPANY, NEW FORK, N. Y. 

orporated April, 1836. Commenced business April, 1837.] 
Paid-up Capital, $300,000. 

Jamba M. McLean, Pr Frank M. Paiikek. 8 



Detailed Statement 0¥ Sto< k>. Bonds, etc. 

Par value. 
$4' 00 

.000 00 
I 00 
10,000 00 
00 
24,500 00 
10,000 00 
10,000 00 

1". 



United State- bonds 

Virginia State bonds 
Lake Shore & Michigan So. R.R. bonds, 

stock, . 

Union Trust Co. stock 

National Citizens 1 Hank stock, 
Union Pacific R.R. stock, 
National Bank of Commerce stock, 
N. Y. Central & Hudson R. R.R. stock, 
Western Union Telegraph stock. 



Market value. 

00 

11,400 

30,000 00 
-.175 00 
5 00 
15,000 00 
12,660 00 
16,300 






Securities held as collateral for cash loans : — 



National Butchers* and Drover-' B'k -tock, 
Third Avenue R.R. stock, 
Union Trus- k. ... 

New York Central R.R. certificates, 

•opolitan Gas Lig -k. 

higan Central R.R. stock. 
Lafayette B. & Muncie R.R. bonds, 
Texas ft Pacific R.R. bond- 
New Y'ork. L. E. ft Western R R. stock, 
New Y"ork Central ft H R. R.R. stock, 
Western Union Telegraph stock, 
Delaware, Lacka. &: Western R R. stock, 



Market value. 

00 

4.-_ 
36,000 

11,400 00 , 

3 
12/" 

00 



Loaned thereon. 

_ 

44,000 00 

10,000 

00 

00 



$182.44- 00 8127. ' 



Summary of Assets Dec. 31. 1882. 

Cash value of unencumbered real estate, . 8112,00' 
Loans on mortgage of real estate (first liens*), 56,4 
Interest due or accrued thereon, . . . 282 

Stocks, bonds, etc.. as per schedule, . . >7,687 £ 

Loans on collateral security, as per schedule, 127.150 00 



* Value of lands mortgaged, .... $52,00000 
Value of buildings thereon, .... 
Amount of insurance held as collateral, . 46,200 00 



1.56 FIRE, MARINE, AND FIRE-MAEINE [Dec. 31. 



Cash in the office of the company. 

deposited in bank, 
Interest due and accrued, 

Premiums in course of collection (gross), 

Rents due and accrued, 

Return tax, ...... 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

Total amount of losses, . 
Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., 
State and local taxes, .... 
Commissions and brokerage, 
Return premiums, .... 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



$2,994 20 
32,996 08 

3,516 68 

38,833 59 

637 51 

1,500 00 



$1,033,997 46 



$9,839 71 
44,676 75 

$54,516 46 
6,452 63 

$48,063 83 

245,611 94 

46 00 

2,000 00 

750 00 

5,835 18 

700 00 



303,006 95 



$730,990 51 
300,000 00 



Surplus over capital, 



$430,990 51 



Income. 

Cash received for fire premiums, . . $425,124 13 

Deduct reinsurance and return premiums, . 58,994 63 

Net cash received for fire premiums, $366,129 50 

Interest received on bonds and mortgages, . . 4,620 04 

Interest and dividends recM from all other sources, . 32,392 31 

Income from rents, 4,463 76 

Profit on sale of real estate, 1,452 45 

Gross cash income, . . . . $409,058 06 

Expenditures. 

Cash paid for fire losses, .... $235,790 13 
Deduct salvage and reinsurance, . . 7,395 73 

Net cash paid for fire losses, . $228,394 40 

Cash dividends paid, 40,454 00 

Cash paid for commissions and brokerage, . . . 51,655 05 

salaries of officers and employes, . 48,714 88 

State and local taxes, ( .>,228 00 

tor incidentals, :;<),907 62 

Gross cash expenditures, $409,353 96 



M.] 



INS. COS. OF OTHER STATES. 



157 



Fire risks outstanding Dec. 31, 1881, 
written during 1882, 



Risks and Premiums 

Premiums. 

f 54,9 11,558 00 $362,401 87 
. 82,871,802 00 542,638 57 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force. 



$137,782,860 00 $905,100 44 
»;.">, 7 18,986 00 H)8,126 44 



$72,063,874 00 $496,974 00 
2,704,643 00 19,902 86 



$69,359,231 00 $477,071 14 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company. 
Cash dividends declared' from organization of company, 
Dividends declared during the year. 
Fire losses incurred during the year, .... 
Company's stock owned by director 



$6,900,104 54 
8,098,387 76 

1,589,550 00 

40,500 00 

248,987 92 

77,160 00 



CITIZENS' INSURANCE COMPANY, ST. LOUIS, MO. 

(Incorporated Feb. 2, 1837. Commenced business, 1837. J 

Paid-up Capital, §200,000. 

J. B. M. Kehlor, President. John P. Harrison, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



North Missouri Railroad bonds, . 
Laclede Gas Company bonds, 
Venice Elevator Company bonds, 
Advance Elevator Company bonds, 
St. Louis Chamber of Commerce bonds, 
St. Joseph city bonds, .... 
St. Louis Grain Elevator Company, 



Par value. 

$100,000 00 
35,000 00 
32,000 00 
21,000 00 
22,000 00 
15,000 00 
10,000 00 



Market value. 

121,500 00 
35,875 00 
32,160 00 
21,105 00 
22,000 00 
12,000 00 
10,700 00 



1235,000 00 $255,340 00 



Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

Advance Elevator Company stock, . . $18,750 00 $12,000 00 

Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $18,000 00 
Loans on mortgage of real estate (first liens*), 25,000 00 
Interest due or accrued thereon, . . 440 00 



* Value of lands mortgaged $10,000 00 

Value of buildings thereon, .... 50,00u 00 

Amount of insurance held as collateral, . 30,000 00 



158 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Stocks, bonds, etc., as per schedule, . . $255,340 00 

Loans on collateral security, as per schedule 12,000 00 

Cash in the office of the company, . . 3,408 02 

Cash deposited in bank 76,103 18 

Premiums in course of collection (gross), . 10,247 55 

Gross assets, 



,538 75 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
State and local taxes, . . . 
Commissions and brokerage, 
Return premiums, .... 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



|3,381 00 

5,164 00 

1,750 00 

29,853 00 

503 00 

388 00 

- 2,184 00 

283 00 



Surplus over capital, 



43,506 00 

$357,032 75 
200,000 00 

$157,032 75 



Income. 

Cash received for fire premiums, . . $58,696 01 

Deduct reinsurance and return premiums, . 3,168 68 

Net cash received for fire premiums, . . 

Cash received for marine and inl'd prem's, . $11,857 40 

Deduct reinsurance and return premiums, . 1,710 39 

JSTet cash recM for marine and inland prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 



$55,527 33 



10,147 01 

1,750 00 

22,593 52 

190,017 86 



Expenditures. 

Cash paid for fire losses, .... 

Cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, 

for incidentals, .... 



$31,968 89 
1,037 61 
12,000 00 
9,550 77 
7,460 00 
5,263 50 
5,313 71 



Gross cash expenditures, 



$72,594 48 



1882.] 



IN-. COS. OF OTHER STATES. 



159 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

\<*t amount in force, 



Marine risks outstanding Dee. 31, 1881, 
Marine risks written during 1882, 

Total 

Deduct risks expired aud terminated, . 



$4,181,734 00 
5,919,478 00 

$10,101, -J' 
5,803,739 00 

$4,297,468 00 
8,750 00 



Premiums. 

$56,087 00 
59,313 15 

1115,400 15 

56,673 15 

$58,727 00 
95 00 



$4,288,718 00 $58,632 00 



$40,000 00 

1,768,248 00 

$1,803,248 00 

1,803,248 00 



Miscellaneous 

Losses paid from organization of company. 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), 
Fire losses incurred during the year, .... 
Marine and inland losses incurred dining the year, . 
Company's stock owned by director 



$300 00 
10,923 45 

111,223 45 

11,223 45 



52,670,773 00 

659,798 00 

12,000 00 

30,707 89 

37 61 

139,000 00 



CITY FIRE INSURANCE COMPANY OF THE CITY OF NEW 

YORK. 

[Incorporated April 26, 1833. Commenced business June C, 1833.] 

Paid-up Capital, 8210,000. 

Samuel Towhsend, President. David J. Blauvelt, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

1,700 shares Tradesmen's National Bank, . $68,000 00 $78,200 00 

200 M N. Y. Central and H. R. R. R., 20,000 00 25,200 00 

United States bonds, 150,000 00 179,062 50 



$238,000 00 $282,462 50 



Summary of Assets Dec. 31, 1882. 

Loans on mort. of real estate (first liens*), . $113,500 00 

Interest due or accrued thereon, . . . 2,720 41 

Stocks, bonds, etc., as per schedule, . . 282,462 50 

Cash in the office of the company, . . 4,209 64 

Cash deposited in bank, .... 3,443 98 



* Value of lands mortgaged, . , 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$115,200 00 
122,800 00 
109,350 00 



160 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest due and accrued, .... $1,553 74 
Premiums in course of collection (gross), . 2,859 69 

Premiums more than three months 

due, $221 82 

Gross assets, $113,219 96 

Liabilities. 

Losses adjusted, unpaid, .... $1,453 85 

claimed and reported, . 380 00 

Unearned premiums on outstanding risks, . 24,281 99 

Due and accrued for rent, salaries, etc , . 1,583 33 

State and local taxes, 3,927 52 

Commissions and brokerage, . . . 286 73 

Return premiums and reinsurance, . . 14 37 

Gross liabilities, except capital, . . 31,930 79 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, $171,319 17 

Income. 

Cash received for fire premiums, . . . $14,777 56 
Deduct reinsurance and return premiums, . 2,370 90 

Net cash received for fire premiums, . 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, 
Income from return taxes, 

Gross cash income, 



1,319 17 
210,000 00 



Expenditures. 

Cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

salaries of officers and employes, 
State and local taxes, . 
for incidentals, 

Gross cash expenditures, 



$12,406 66 

6,899 01 

12,062 92 

1.704 50 

$63,073 09 



$22,357 89 

21,000 00 

5,049 02 

18,721 34 

1,401 66 

10,566 42 

$74,095 83 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force. 



$10,854,728 00 
11,238,855 00 

$22,093,583 00 
11,191,276 00 

$10,899,307 00 
111,000 00 



Premiums. 

$15,906 95 
45,858 52 



$91,765 47 

44,078 69 

$17,686 78 

416 89 



$10,785,307 00 $17,269 89 



1882.] 



INS. COS. OF OTHER STATES. 



161 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$2,961,067 25 

1,360,598 52 

1,660,800 00 

21,000 00 

17,336 92 

32,060 00 



CLINTON FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated July, 1850. Commenced business July 11, 1S50.] 

Paid-up Capital, $250,000. 

George T. Patterson, Jr , President. C. E. W. Chambers, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Delaware and Hudson Canal Co. bonds, 
Central Railroad of New Jersey bonds, 
New York Central & H. R. R. R. stock, 
American Exchange National Bank stock, 
Merchants' National Bank stock, 



Tar value. 

$250,000 00 

40,000 00 

2, "00 00 

: ',ooo oo 

10,000 00 
2,850 00 



Market value. 

$290,230 00 
45,150 00 

2,100 00 
90,300 00 
14,000 00 

3,733 00 



$374,850 00 $445,513 00 



Summary of Assets Dec. 31, 1882. 

Loans on mortgage of real estate (first liens*), $26,400 00 

Interest due or accrued thereon, . . . 132 00 

Stocks, bonds, etc., as per schedule, . . 445,513 00 

Cash in the office of the company, . . 3,958 62 

deposited in bank, .... 1,372 45 

Interest due and accrued, 1,575 00 

Premiums in course of collection (gross), . 22,800 79 

Gross assets, $501,751 86 

Liabilities. 

Losses adjusted unpaid,. .... $4,272 00 

Losses claimed and reported, . . . 6,250 00 

Unearned premiums on outstanding risks, . 85,234 40 



* Value of lands mortgaged, $35,500 00 

Value of buildings thereon, 23,500 00 

Amount of insurance held as collateral, .... 13,600 00 



162 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Due for borrowed money, . 
Commissions and brokerage, 

Gross liabilities except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



$24,000 00 
3,850 00 



Surplus over capital, 

Income. 

Cash received for fire premiums, . . $209,962 54 

Deduct reinsurance and return premiums, . 33,209 96 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 



Gross cash income, 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, . 

Net cash paid for fire losses, . . . — 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

salaries of officers and employes, 
for State and local taxes, 
interest on borrowed money, . 

Rent and incidentals, 



$109,462 50 
9,675 54 



Gross cash expenditures, . 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, . 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$22,466,694 00 
26,649,617 00 



$49,116,311 00 
23,748,969 00 



$25,367,342 00 
2,091,897 00 



$123,606 40 



$378,145 46 
250,000 00 



$128,145 46 



$176,752 58 

1,304 00 

18,331 36 



$196,387 94 



$99,786 96 
25,000 00 
30,850 10 
17,424 44 
4,753 08 
425 41 
21,795 83 

$200,035 82 



Premiums. 

$155,109 63 
215,385 33 



5370,494 96 
18S,570 39 



$181,924 57 
15,599 71 



$23,275,445 00 $166,324 86 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$2,854,049 49 

1,321,196 66 

1.101,000 00 

25,000 00 

82,936 05 

77,300 00 



1882.] 



INS. COS. OF OTHER STATES. 



163 



COMMERCE INSURANCE COMPANY, ALBANY, N. Y. 

[Incorporated June 1, 1859. Commenced business June 1, 1859.] 
Paid-up Capital, $200,000. 
Adam Van Allen, Preside?it. Richard V. De Witt, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
150 shares Nat 1 ! Commercial B 1 k, Albany, 



133 " First National Bank, Albany, 

80 " Nat 1 ] Albany Exch. Bank, . 

80 " Union National Bank, Albany, 

40 " N. Y. State Nat'l B'k, Albany, 

27 " Albany City National Bank, 



Cash value of unencumbered real estate, 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 

deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Rents due and accrued, 

Gross assets, 

Liabilities. 
Losses claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
State and local taxes, .... 
Commissions and brokerage, 
Return premiums, .... 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 

Income. 
Cash received for fire premiums, . 
Deduct reinsurance and return premiums, 
Net cash received for fire premiums, . 
Interest and dividends received from all sources, 
Income from rents, .... 

Gross cash income, 



Par value. 


Market value. 


. $2 10,000 00 


$275,900 00 


15,000 00 


30,000 00 


13.300 00 


21,280 00 


8,000 00 


12,000 00 


8,000 00 


8,800 00 


4,000 00 


6,400 00 


2,700 00 


3,375 00 


$261,000 00 


$357,755 00 


:c. 31, 1882. 




$35,000 00 




357,755 00 




1,720 34 




20,004 88 




637 83 




5,943 54 




216 00 




— 


$421,277 59 


$10,465 00 




1,375 00 




68,789 14 




350 00 




575 91 




137 16 






81,692 21 




# • • 


$339,585 38 


• 


200,000 00 


• 


$139,585 38 


. $130,200 21 




14,208 18 






$115,992 03 


• 


urces, 


17,831 T6 


. 


1,256 00 


• • t 


$135,079 79 



164 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, . 

Net cash paid for fire losses, . . - 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, 



32,899 29 
3,588 63 



$79,310 66 

14,000 00 

20,366 35 

12,546 09 

6,361 12 

6,423* 16 

$139,007 38 



Fire risk? outstanding Dec. 31, 1881, 
written during 1882, 



Risks and Premiums. 

^ premiums. 

$11,763,793 00 $115,077 29 
. 14,688,619 00 131,761 80 



Total, 

Deduct risks expired and terminated, 

In 'force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



$26,452,412 00 $246,839 09 
. 12,161,337 00 108,219 12 



$14,291,075 00 $138,619 97 
782,002 00 6,728 07 



$13,509,073 00 $131,891 90 



Miscellaneous. ' ' 
Premiums received from organization of company, . . $3,353,511 00 

Losses paid from organization of cOTnpany, . . . 2,293,178 00 

Cash dividends declared from organization of company, . 556,000 00 
Dividends declared during the year (7 per cent.), . . 14,000 00 

Fire losses incurred during the year, 77,454 95 

Company's stock owned by directors, .... 53,900 00 



J 
COMMERCIAL FIRE INSURANCE COMPANY OF NEW YORK. 

[Incorporated May 15, 1850. Commenced business May 15, 1850.] 

Paid-up Capital, $200,000. 

David Quackinbush, President. Walter Lawrence, Secretary. 



Detailed Statement .of Stocks, Bonds, etc. 



United States bonds, 
Brooklyn city bonds, 
Long Island city bonds 
Flushing city bonds, 
Elizabeth city bonds, 
New York city bonds, 



Tar value. 

$232,000 00 
28,000 00 
10,000 00 
12,000 00 
20,000 00 
1,000 00 



Market value. 

$300,190 00 

32,950 00 

10,000 00 

15,000 00 

10,000 00 

1,400 00 



$303,000 00 $369,540 00 



1882.] 



INS. COS. OF OTHER STATES. 



165 



Summary of Assets Dec. 31, 1882. 



Loans on mort. of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in Irving National Bank, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Gross assets, 



$39,700 00 

199 50 

369,540 00 

27,217 46 

1,725 75 

12,976 66 

55,262 54 



$506,621 91 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 
Return premiums, .... 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$17,270 00 

19,475 00 

2,500 00 

194,677 30 

345 00 

833 33 

11,052 50 

89 14 



Surplus over capital, .... 

Income. 

Cash received for fire premiums, 
Deduct re-insurance and return premiums, 
Net cash received for fire premiums, . 
Cash rec'd for marine and inland prem's, . 
Deduct reinsurance and return premiums, . 

Net cash rec 1 d for marine and inland prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from all other sources, ..... 

Gross cash income, 



$390,111 58 
26,408 15 

$16,970 01 
1,810 20 



246,242 27 

$260,379 64 

200,000 00 

$60,379 64 



$363,703 43 



15,159 81 

2,594 88 

10,040 00 

551 69 

$392,049 81 



Expenditures. 

Cash paid for fire losses, .... $235,018 69 

Deduct reinsurance, 1,421 53 

Net cash paid for fire losses, . . . $233,597 16 

Cash paid for marine and inland losses, .... 14,884 29 
Cash dividends paid, 19,965 00 

* Value of lands mortgaged $37,000 00 

Value of buildings thereon, 54,000 00 

Amount of insurance held as collateral, . . 43,600 00 



1G6 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash paid for commissions and brokerage, 

for salaries of officers and employes, 
for State and local taxes, . 

for rent, 

for incidentals, .... 

Gross cash expenditures, 



$87,223 36 

18,220 00 

5,832 09 

4,000 00 

25,522 52 



$409,244 42 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, . 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, . 

In force at end- of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, . 



$39,246,437 00 
40,572,560 00 

§79,818,997 00 
37,223,639 00 



$42,595,358 00 
1,356,055 00 



Premiums. 

1325,792 18 

401,983 75 

1727,775 93 
351,502 03 



$376,273 90 
13,146 23 



$41,239,303 00 $363,127 67 



$349,601 00 
10,503,826 00 



$9,543 83 
16,782 45 



$10,853,427 00 
9,371,373 00 



$26,326 28 
12,329 52 



$1,482,054 00 $13,996 76 



Miscellaneous. 

Premiums received from organization of company, . 

Losses paid from organization of company, 

Cash dividends declared from organization of company, 

Dividends declared during the year (10 per cent.) . 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, . 

Company's stock owned by directors, 



$4,969,459 50 

2,835,710 61 

856,000 00 

20,000 00 

243,447 35 

14,884 29 

91,500 00 



1882.] 



INS. COS. OF OTHER STATES. 



167 



COMMERCIAL MUTUAL INSURANCE COMPANY, 
NEW YORK, N. Y. 

[Incorporated April, 1842. Commenced business, May 1852.] 

W. Irving Comes, President. Henry D. King, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 

American Exchange Bank stock, 

Market National Bank stock, 

Corn Exchange Bank stock, 

National Park Bank stock, . 

National Bank of State of New York stock 

Bank of New York N. B. A. stock, 

Gallatin National Bank stock, 

Continental National Bank stock, 

Merchants 1 National Bank stock, . 

St. Nicholas National Bank stock, 

National Bank of Commerce stock, 

Bank of America stock, 

Nassau Bank stock, 

Bank of North America stock, 

Metropolitan National Bank stock, 

Newark city bonds, 

Louisville city bonds, . 

Erie Railway bonds, 

Del., Lackawanna, and Western R. R. bonds 

Morris and Essex Railroad bonds, 

Warren Railroad bonds, 

Delaware and Hudson Canal Co. bonds, 

Detroit, Grand Haven, and Mil. R.R , bonds 

Coast Wrecking Company stock, 

Atlantic Mutual Insurance Company scrip 

Union Mutual Insurance Company scrip, 



Par value. 

$339,000 00 

20,000 00 

2,500 00 

4,000 00 

10,000 00 

1,600 00 

3,700 00 

3,300 00 

5,000 00 

6,200 00 

7,500 00 

5,400 00 

1,800 00 

2,500 00 

4,690 00 

5,600 00 

13,000 00 

15,000 00 

15,000 00 

5,000 00 

35,000 00 

9,000 00 

15,000 00 

900 00 

4,500 00 

1,070 00 

282 24 



Market value. 

$359,574 63 

25,600 00 

3,375 00 

6,400 00 

15,700 00 

2,112 00 

5,365 00 

5,280 00 

5,750 00 

8,060 00 

10,500 00 

8,100 00 

2,772 00 

3,125 00 

4,690 00 

9,240 00 

15,300 00 

16,500 00 

15,818 75 

6,450 00 

41,150 00 

10,800 00 

18,350 00 

990 00 

450 00 

1,107 45 

141 12 



$536,542 24 $602,700 95 



Summary of Assets Dec. 31, 1882. 

$602,700 95 



Stocks, bonds, etc., as per schedule, 
Cash deposited in various banks, 
Interest due and accrued, 
Premiums in course of collection (net), 
Notes taken for marine and inland risks, 

Reinsurance due, 

Salvage on losses paid, 

Gross assets, 



17,207 71 

2,681 20 

13,004 04 

67,704 09 

2,826 43 

19,945 00 



$726,069 42 



168 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 

Losses claimed and reported, . . . $23,200 00 

Losses disputed or resisted, .... 12,G50 00 

Unearned premiums on outstanding risks, . 72,686 59 

Unpaid scrip ordered to be redeemed, . 6,473 20 

Interest due or accrued on scrip, . . . 3,293 15 

Due and accrued for rent, salaries, etc., . 500 00 

State and local taxes, 1,744 89 

Return premiums, 1,926 41 

All other liabilities, 4,552 09 

Gross liabilities except scrip, . . 

Surplus as regards policy-holders, .... 
Scrip outstanding, not ordered to be redeemed, . 

Surplus over scrip, 



$ 132,026 33 

$594,043 09 
544,910 00 

$49,133 09 



Income. 

Cash received for fire premiums, 

Cash received for marine and inland prem's, $279,938 24 
Deduct reinsurance and return premiums, . 89,364 96 

Net cash rec'd for marine and inl'd prem's, 

Interest and dividends received from all sources, 
Income from return tax, scrip, etc., 

Gross cash income, 



»,643 33 



190,573 28 

30,256 85 

4,002 95 

$231,476 41 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, . 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 

Cash paid for redemption of scrip, 

Interest paid scrip-holders, .... 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, 
for taxes, rent and incidentals, . 
for reinsurance,* .... 

Gross cash expenditures, 



$16,385 52 
6 23 



$174,639 54 
16,277 08 



$16,379 24 



158,362 46 

48,887 00 

35,463 95 

7,394 63 

21,110 00 

18,778 49 

14,924 31 



$321,300 08 



♦All the fire riHks of this company were refTfeured, Jau. 26, 1882, by the Royal Insur- 
ance Company of Liverpool. 



1882.] 



INS. COS. OF OTHER STATES. 



169 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



.'$9,258,010 00 
.27,295,243 00 

$36,553,253 00 
. 27,530,452 00 

. $9,022,801 00 
78,332 00 



Premiums. 

174,611 93 
282,414 21 

1357,026 14 

282,322 36 

$74,703 78 
2,017 19 



$8,944,469 00 $72,686 59 



Miscellaneous. 
Premiums received from organization of company, . $13,337,855 88 
Losses paid irom organization of company, . . . 7,943,320 16 



CONNECTICUT FIRE INSURANCE COMPANY OF HARTFORD, 

CONN. 

[Incorporated June, 1850. Commenced business July, 1330.] 

Paid-up Capital, $1,000,000. 

J. D. Browse, President. Charles R. Burt, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $120,000 00 $142,800 00 

State of Connecticut bonds, . . . 16,000 00 16,160 00 

City of Hartford bonds, .... 15,000 00 15,750 00 

City of New Britain "bonds, .... 15,000 00 15,750 00 

City of Columbus, Ohio, bonds, . . . 5,000 00 5,000 00 

City of Middletown, 7's, bonds, . . . 10,000 00 10,600 00 

City of Middletown, 6's, bonds, . . . 10,000 00 10,000 00 

City of Toledo, Ohio, bonds, . . . 10,000 00 10,500 00 

City of Erie, Penn., bonds, .... 10,000 00 10,300 00 

Michigan Central Railroad Company bonds, 20,000 00 24,800 00 

Canada Southern Railroad Company bonds, 50,000 00 48,500 00 

Quincy, Alton, and St. Louis R. R. Co. b'ds, 49,000 00 51,450 00 

N. Y., N. H., and H. R. R. Company bonds, 40,000 00 50,800 00 

Tiffin, Ohio, Gas Company bonds, . . 14,000 00 14,000 00 

Erie Railroad gold consols, . . . 20,000 00 25,800 00 

Broadway and Seventh Ave. R. R. Co. b'ds, 20,000 00 20,200 00 

Dayton and Michigan R. R. Company b'ds, 25,000 00 26,250 00 

Chicago, Burl., and Quincy R. R. Co. b'ds, . 7,000 00 5,950 00 

627 shares Chicago, Burl., and Q. R R. Co., 62,700 00 80„>56 00 

100 " Chic., Iowa and Neb. R. R. Co., . 10,000 00 15,000 00 

600 " N. Y., N. H., and H. R. R. Co., . 60,000 00 106,800 00 



170 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Par value. 

300 shares Pittsb'g, F. W. % and C. R. R. Co., $30,000 00 

100 " Boston and Albany R. R. Co., . 10,000 00 

200 " N. Y. C. and Hud. R, R. R. Co., . 20,000 00 

310 " Importers 1 and Traders' N. B'k, 31,000 00 

230 " Fulton National Bank, . . 6,900 00 

188 " Farmers 1 and Mechanics 1 N. B% 18,800 00 

412 " National Exchange Bank, . . 20,600 00 

300 " Hartford National Bank, . . 30,000 00 

185 " First National Bank, . . . 18,500 00 

100 . " .Etna National Bank, . . . 10,000 00 

150 " Phoenix National Bank, . . 15,000 00 

93 " Charter Oak National Bank, . 9,300 00 

50 " Mercantile National Bank, . 5,000 00 

45 " Conn. T. and S. Deposit Co., . 4,500 00 



Market value. 

$40,500 00 

17,000 00 

25,600 00 

80,600 00 

9,315 00 

25,944 00 

30,900 00 

51,000 00 

21,830 00 

12,700 00 

25,950 00 

12,834 00 

6,050 00 

5,220 00 



$818,300 00 $1,072,109 00 



Securities held as collateral for cash loans : — 



N. Y., N. H. and H. R. R. Company stock, 
Delaware and Hudson Canal Co.'s stock, 
Wells, Fargo and Company's stock, . 
Adams Express Company's stock, 
Pacific Mail Steamship Company's stock, 
United States Express Company's stock, 
Continental Insurance Co.'s stock, N. Y., 
Home Insurance Co.'s stock, New York, 
Hanover Insurance Co.'s stock, New York 
JEtna Insurance Company's stock, 
Willimantic Linen Company's stock, . 
Michigan Central R. R. Company's stock, 
U. Stock Yard and T. Co.'s stock, Chic, 111., 
Collins Company's stock, Hartford, 
Hartford Carpet Company's stock, 
Conn. Gen. Life Insurance Company's stock 
American Hosiery Company's stock, . 
Stanley Rule and Level Company's stock, 



Market value. 

$1,780 00 
10,800 00 ^ 
45,500 00 
5,460 00 
4,300 00 
25,200 00 > 
4,620 00 
9,100 00 
7,425 00 
4,700 00^ 
7,800 00 '^ 
10,000 00 / 
12,000 00 
2,400 00 
3,750 00 
6,215 00 
12,375 00 
7,975 00 



Loaned thereon. 

$1,200 00 



66,000 00 



14,000 00 

8,050 00 

1,600 00 
3,540 00 

6,000 00 



$181,400 00 $100,390 00 



Summary of Assets Dec. 31, 1882. 

Cash value of uencumbered real estate, . $20,000 00 

Loans on mort. of real estate (first liens*), 274,250 00 

Stocks, bonds, etc , as per schedule, . . 1,072,109 00 

Loans on collateral security, as per schedule, 100,390 00 



* Value of hinds mortgaged, . 
Value of buildings thereon, . . . 
Amount of insurance held as collateral, 



$384,000 00 
849,600 00 

291,550 00 



1882.] 



INS. COS. OF OTHER STATES, 



171 



Cash in the office of the company, 
Cash deposited in National Exchange I>'k, 
Premiums in course of collection (net), 
Gross assel .... 

Deduct special deposits in other States, 



Balance, 



Liabilities. 



$359 35 

258,670 85 

65,847 30 



$1,781,626 50 
142,800 00 

$1,038,826 50 



$59,047 33 
10,761 86 

$69,809 19 
6,900 00 

$62,909 19 
426,400 38 

$489,309 57 
41,277 24 



Losses claimed and reported, 
disputed or resisted, . 

Total amount of losses, 

Less reinsurance, 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Gross liabilities, except capital, . 
Deduct liabilities on special deposits, . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 

Income. 

Cash received for fire premiums, . . $839,370 41 

Deduct reinsurance and return premiums, . 125,924 32 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 

Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

for salaries of officers and emjiloyes, . 

for State and local taxes, 

for incidentals, . . . . • . 

Gross cash expenditures, .... 

Risks and Premiums. 



448,032 33 

11,190,794 17 

1,000,000 00 

$190,794 17 



$713,446 09 
11,904 05 
69,883 21 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



$63,334,106 00 
81,295,879 00 



$795,233 35 

$456,173 91 

100,000 00 

112,498 04 

40,136 03 

15,026 83 

47,093 11 

$770,927 92 



Premiums. 

,277 10 
844,103 81 



$144,629,985 00 
72,338,304 00 



,533,380 91 
723,649 59 



$72,291,681 00 $809,731 32 



172 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from reorganization of company, 
Losses paid from reorganization of company, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$1,599,875 57 

2,352,261 97 

915,000 00 

100,000 00 

462,405 55 

71,600 00 



CONTINENTAL INSURANCE COMPANY, NEW YORK. N. Y. 

[Incorporated Nov., 1852. Commenced business Jan., 1853.] 

Paid-up Capital, $1,000,000. 

George T. Hope, President. Cyrus Peck, Secretary. 



Detailed Statement of Stocks, 

250 shares American Exch. Nat. Bank, 

69 ' 

50 ' 

1200 " 
250 

350 ■ 

200 ■ 

100 ' 

700 ■ 

180 ' 

200. ' 

20 ■ 

1500 ' 



' Bank of America, 
1 Bowery National Bank, . 
' Mechanics' National Bank, 
' Mercantile National Bank, 
1 Merchants' National Bank, 
' Metropolitan National Bank, 
1 Nassau National Bank, 
' Phenix National Bank, 
1 St. Nicholas National Bank, 

Central Trust Co., . 
' N. Y. Guaranty & Ind. Co., 
N. Y. & Harlem Railroad Co., 
Cedar Rapids Io. F. & N. W. R. R. Co. b'ds, 
Chicago and N.- Western Railroad bonds, . 
Chicago, Mil. and St. Paul Railroad bonds, 
Chicago, St. P'l, Minn, and Omaha R.R. b'ds, 
Columbia and Greenville Railroad bonds, 
Erie Railroad Company bonds, . 
Mil., L. S. and Western Railroad bonds, 
Morris and Essex Railroad bonds, 
N. Y., L E. and Western Railroad bonds, 
N. Y. Lacka., and Western Railroad bonds 
St. P'l, Minn, and Manitoba Railroad b'ds, 
Alabama State bonds, .... 
South Carolina State bonds, . 
Tennessee State bonds, 
United States bonds, .... 



Bonds, etc. 

Par value. 

$25,000 00 

6,900 00 

5,000 00 

30,000 00 

25,000 00 

17,500 00 

20,000 00 

5,000 00 

14,000 00 

18,000 00 

20,000 00 

2,000 00 

75,000 00 

50,000 00 

50,000 00 

50,000 00 

100,000 00 

50,000 00 

50,000 00 

50,000 00 

50,000 00 

50,000 00 

100,000 00 

100,000 00 

10,000 00 

12,000 00 

26,000 00 

900,000 00 



Market value. 

$31,750 00 

10,350 00 

7,250 00 

44,400 00 

29,250 00 

22,225 00 

33,000 00 

6,000 00 

13,300 00 

22,500 00 

40,000 00 

2,500 00 

150,000 00 

52,500 00 

54,500 00 

55,000 00 

109,000 00 

50,000 00 

64,000 00 

49,000 00 

61,000 00 

52,500 00 

109,000 00 

106,000 00 

8,400 00 

12,240 00 

10,920 00 

1,189,520 00 



$1,911,400 00 $2,396,105 00 



J.] INS. COS. OF OTHER STATES. 



173 



Securities hold as collateral for cash loans: — 



Market value. Loaned thereon. 



30 Bhares Mechanics' Bank, 
New York city bond, .... 
30<) shares Lake Shore and Mich. So. R. R 
200 " Chicago and N.-Western R. R , 
100 " Delaware and H. Canal Co., > 
Metropolitan Elevated Railroad bonds, 
New York and New England R. R. bonds, 
47 shares Fidelity and Casualty Co., . 
Galveston, Harrisburg and San Antonio 

Railroad bonds, .... 
r 100 shares Illinois Central Railroad, . 
200 " Delaware, Laeka. and W. R. ft. 
900 " Chicago, Mill, and St. P'l R./R., 

5 " Fidelity and Casualty Co., . 

3 " Sanborn Map and Pub. Co., 

150 " Brooklyn City Railroad, . 

10 " American Exch. Jfat'l Bank, 

200 " St. Paul, Minn. & Manitoba R.R. 

100 " Missouri Pacific Railroad, . 

200 ' " Western Union Telegraph Co., 

Union Railroad of Baltimore bonds, . 

Hannibal and St. Joseph R. R. bonds, . 

Chicago, Mill, and St. Paul R. R. bonds, 

Pullman Palace Car Co. >bonds, . 

100 shares N. Y. Central and H. R. R. R. f 

\ 



§3,000 00 
1,200 00 
33,600 00^ 

26,800 00 / 
10,700 00 1 
36,500 00 [ 
10,500 00 J 
5,405 00 

252,000 00 
14,280 00^ 
12,800 00 I 

04,500 00 J 

575 00 ^ 

450 

3,000 00 

1,270 00 

28,000 OO^j 



$1,200 00 
750 00 

50,000 00 



50,000 00 

3,750 00 

200,000 00 

100,000 00 

500 00 

1,400 00 
900 00 



10,000 00 



16,000 00,1 
6,900 00 J 

49 350 00 > 
9,200 00 
2,300 00 J 

12,600 00 



} 50,000 00 



50,000 00 
7,000 00 



$640,930 00 $515,500 00 



Summary of Assets Dec. 31, 1882.* 

Cash value of unencumbered real estate, . $664,000 00 

Loans on mortgage of r'l estate (first liens f ) , 379,525 00 

Interest due or accrued thereon, . . . 9,332 97 

Stocks, bonds, etc., as per schedule, . . 2,296,105 00 

Loans on collateral security, as per schedule, 515,500 00 

Cash in the office of the company, . x . 4,463 82 

Cash deposited in various banks, . . . 220,393 07 

Interest due and accrued, .... 41,521 66 



* The company holds, also, instalment premium notes to the amount of $1,192,756.48 
which do not enter into nor form any part of the assets of the company, as no portion of 
them is earned. Whatever value is attached to them would necessarily he counterbalanced 
by the addition of an exactly equal amount to the reinsurance liability, the entire sum con- 
sisting of " unearned premiums." 



t Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$521,500 00 
540,700 00 
393,475 00 



174 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Premiums in course of collection (gross), . $212,192 98 
Rents due and accrued, .... 7,500 00 

Gross assets,* $4,450,534 50 

Deduct special deposits in other States, .... 33,000 00 



Balance, $4,417,534 50 

Liabilities. 

Losses claimed and reported, . . . $293,458 13 
disputed or resisted, . . . . 27,303 00 



Total amount of losses, .... $320,761 13 
Less reinsurance, 33,586 22 



Net amount of unpaid losses, . . . $287,174 91 

Unearned premiums on outstanding risks, . 1,524,123 54 

Unpaid scrip ordered to be redeemed, . 24,653 00 

Interest due or accrued on scrip, . . . 6,629 16 

Dividends to stockholders unpaid, . . 88 20 

Commissions and brokerage, . . . 50,000 00 



Gross liabilities,except capit'l and scrip, $1,892,668 81 
Deduct liability on special deposit, . . 33,000 00 



1,859,668 81 



Surplus as regards policy-holders, . . . $2,557,865 69 

Paid-up capital, $1,000,000 00 

Scrip outstanding not ordered to be redeemed, 61,160 00 

1,061,160 00 



Surplus over capital and scrip, .... $1,496,705 69 

Income. 

Cash received for fire premiums, . . . $2,202,548 29 
Deduct reinsurance and return premiums, . 346,188 86 

Net cash received for fire premiums, . . $1,856,359 43 

Cash rec'd for marine and inl'd premiums, $404,640 25 
Deduct reinsurance and return premiums, . 107,708 54 

Net cash rec'd for marine and inl'd prem's, 296,931 71 

Interest received on bonds and mortgages, . . . 27,491 36 
Interest and dividends received from all other sources, . 148,955 75 
Income from rents, 45,501 64 



Gross casli income, $ 2,375,239 89 



* Including $5'>0,000 special reserve fund held under New York law. 






INS. I OS. OF OTHER STATES. 



175 



|106,448 63 
1 90 



RXFEMDBUMM 

for fire .... $1,144.^19 81 

I ■ ' _ insuran . B2 - I 84 

ii paid for fire 

ah paid for marine and inland loss 

Deduct salvage and reinsurance, 

paid for marine and inland lo — - 

- p rid 

paid for redemption of scrip, ^ 
Inter scrip-holdt . / 

r commissions and broker 
r salaries of officers and empl 
for State and local taxes, . 
for incidentals, .... 

Gross cash expenditu: 



5 •/■::.: 



101,49^ 1 
147.205 80 

3# . 

" . ■ 17 
I 

o60 83 
171,335 69 



7,7 I _■ 



Risks and Premiums. 



Fire risk? outstanding Dec. 31, 1881, . 
Fire risks written during 1882, . 



Deduct pired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force. . 

ling Dee. 31, 

Marine itten during 18C 

Total, 

Deduct risks expired and terminated, 

In force at end of year. 
Deduct amount reinsured, . 

Net amount in force, . 



$3? • 00 

&7JB22 

$639,949,031 00 



| 272,125 t 
. 14,7 



tnml :-.« 
: . "■ ■ 7 84 

1,9;. 

:') 78 

1,921 66 



• 51 



$351,568,202 00 $2,828345 61 



$40,000 00 

_ -' 

. -:. 00 
.00 

".543 00 



" 26 

" 5 
362 15 



00 V 



Miscellaneous. 
Premiums received from or _ ion of company. . 

L sses paid from organization of company, 

divider: -red from organization of company, 

Dividends declared during the vear 

Fire lcurred during the year, . 

ine and inland losses incurred during the year. . 
Company's stock owned by direct-: I 



26,47:1 " . 1 

: '.:. --r :': 
147,000 00 

1,025.124 52 
128,372 11 
:.\ .ill' 



176 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

DELAWARE MUTUAL SAFETY INSURANCE COMPANY, OF 

PHILADELPHIA. 

[Incorporated April 10, 1835. Commenced business Aug. 6, 1835.] 
Paid-up Capital, §360,000. 
Thomas C. Hand, President. Henry Lylburn, Secretary. 



Detailed Statement 



Pennsylvania state bonds, 
Philadelphia city bonds, 
New Jersey state bonds, 
Boston city bonds, 
St. Louis city bonds, 
Cincinnati city bonds, . 
Columbus, O., city bonds, 
United States bonds, 
Tennessee state bonds, 
American S. S. Company bonds, 
Wm. Cramp & Sons bonds, . 
Pennsylvania R R. Co. stock, 
Continental Hotel Co. stock, 
Philadelphia Exchange Co. stock, 
Atlantic Mut. Ins. Co. scrip, . 
Boylston Mut. Ins Co. scrip, 
Commercial Mut. Ins. Co. scrip, 
China Mut. Ins. Co. scrip, . 
New York Mut. Ins. Co. scrip, 



of Stocks, Bonds, etc. 

Tar value. Market value. 

$237,400 00 
100,000 00 
237,000 00 
100,000 00 
100,000 00 
50,000 00 
25,000 00 
6,500 00 
44,000 00 
40,000 00 
26,000 00 
24,000 00 
1,600 00 
200 00 
290 00 >j 
300 00 j 
320 00 \ 
850 00 | 
20^00J 



$280,132 00 

131,350 00 

284,400 00 

129,000 00 

109,500 00 

58,500 00 

28,000 00 

7,767 50 

21,780 00 

42,000 00 

26,520 00 

30,300 00 

1,600 00 

120 00 



1,246 00 



$993,480 00 $1,152,215 50 



Securities held as collateral for cash loans : — 



Lehigh Valley R.R. stock, . 
Pennsylvania R R. stock, 
Norfolk & Western R.R. stock, . 
Centennial National Bank stock, 
Louisville & Nashville R.R. stock, 
Shenandoah Valley R.R. bonds, . 



Market value. 

$32,500 00 

77,391 25 

5,600 00 >| 

37,500 00 ' 

5,050 00 I 

4,300 00 ) 



Loaned thereon. 

$25,000 00 
61,000 00 



40,000 00 



$162,341 25 $126,000 00 



Summary of Assets Oct. 31, 1882. 
Cash value of unencumbered real estate, . $147,000 00 
Loans on mortgage of real estate (first liens*), 161,200 00 
Interest due or accrued thereon, . . . 1,661 80 

Stocks, bonds, etc., as per schedule, . . 1,152,215 50 



* Value of lands mortgaged, . . . . . $117,000 00 

Value of buildings thereon, 147,500 00 

Amount of insurance held as collateral, . . 122,000 00 



1882.] 



INS. COS. OF OTHER STATES. 



177 



Loans on collateral security, as per schedule, $126,000 00 

(ash In the office of the company, . . 502 70 

deposited in various banks, . . 155,028 06 

Interest due and accrued, .... 470" 42 

Premiums in course of collection (net), . 81,507 05 

Notes taken for marine and inland risks, . 179,907 41 
Premiums more than 3 mos. due, $40,000 00 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... $4,126 00 

claimed and reported, . . . 40,972 00 

disputed or resisted, .... 8,000 00 

Unearned premiums on outstanding risks, 234,582 27 

Reclaimable on perpetual fire policies, . 78,051 93 

Unpaid scrip ordered to be redeemed, . 8,220 00 

Dividends to stockholders unpaid, . . 7,001 15 

State and local taxes, 1,800 00 

Gross liabilities, except capital and scrip, 

Surplus as regards policy-holders, . 

Paid-up capital, $360,000 00 

Scrip outstanding, not ordered to be red'm'd, 822,730 00 



$2,005,492 94 



382,753 35 
$1,622,739 59 



1,182,730 00 



Surplus over capital and scrip f 440,009 59 

Income. 

(ash received for fire premiums, . . $104,278 76 

Deduct reinsurance and return premiums, . 5,410 00 

Net cash received for fire premiums, . . 

Cash ree'd for marine and inland premiums, $553,827 67 
Deduct reinsurance and return premiums, . 77,023 89 

Net cash ree'd for marine and inTd premiums, 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, 

Income from rents, 

Reinsurance, ......... 

Deposits received for perpetual fire risks, . . $875 60 



,868 76 



476,803 78 
8,280 00 

65,464 53 
2,000 00 

10,039 40 



Gross cash income, 



$661,456 47 



Expenditures. 



Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, . 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for redemption of scrip, 



$57,854 38 

2,883 59 

$409,298 73 

137,568 88 



54,970 79 



271,729 85 

36,000 00 

148,900 00 



178 FIRE, MAEINE, AND FIRE-MARINE [Dec. 31, 



Interest paid scrip-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, . 

for State and local taxes, . 

for incidentals, 

for repairs on office building, . 
Deposits returned on perpetual fire risks, . 

Gross cash expenditures, . 

Risks and Premiums, 



$1,-204 25 



Fire risks outstanding Oct. 31, 1881, . 
written during 1882, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 

' Perpetual risks in force, 

Marine risks outstanding Oct. 31, 1881, 
written during 1882, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 



$10,594,861 00 
. 14,149,269 00 

$30,744,130 00 
. 14,511,682 00 



$16,232,448 00 

$3,175,662 00 

$11,323,574 00 
. 66,309,764 00 



$77,633,338 00 
. 62,518,802 00 



$51,373 00 
29,030 89 
44,308 OS 
15,190 47 
7,871 82 
13,046 09 

$672,420 44 

Premiums. 

$132,168 90 
104,561 33 

$236,730 23 
105,778 54 

$130,951 69 

$82,159 92 

$181,422 33 
554,077 83 

$735,500 16 
564,476 54 



f 15,114,536 00 $171,023 62 



Miscellaneous. 
Dividends declared duriug the year (10 per cent.), . 
Fire losses incurred during the year, . . . . 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, . 



$36,000 00 
57,697 37 

250,171 31 
42,550 00 



ENTERPRISE FIRE AND MARINE INSURANCE COMPANY, 

CINCINNATI. 

[Incorporated December, 1865. Commenced business December, 1865.] 

Paid-up Capital, $200,000. 

John W. Hartwell, President. J. W. McCord, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $125,000 00 $133,000 00 

Cincinnati So. Railroad Company bonds, . 21,000 00 25,100 00 

Cin. Underwriters' Wreck Company stock, . 3,500 00 1,400 00 



$149,500 00 $159,500 00 



1882.] 



INS. COS. OF OTHER STATES. 



179 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Stocks, bonds, etc., aa per schedule, . 
Cash in the office of the company, 

Cash deposited in Commercial Bank, . 
Interest due and accrued, 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, 

Premiums more than 3 months due, $24.1 45 
Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, 
Unearned premiums on outstanding risks, . 
Dividends to stockholders unpaid, 
Commissions and brokerage, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, .... 

Income. 
Cash received for fire premiums, 
Deduct reinsurance and return premiums, . 
Net cash received for fire premiums, . 
Cash received for marine and inl'd prem's, 
Deduct reinsurance and return premiums, . 
Net cash ree'd for marine and inl'd prem's, 
Interest and dividends received from all sources, 
Income from rents, 

Gross cash income, 



31, 1882. 

$80,000 00 

159,500 00 

673 43 

6,726 62 

250 00 

12,384 12 

10,699 20 

1,067 33 



$10,724 58 

3,311 90 

47,903 60 

33 60 

272 92 



$75,857 57 

9,672 02 

$34,016 71 

3,576 75 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and reinsurance, . 
Net cash paid for fire losses, 
Cash paid for marine and inland losses, 
Deduct salvage and reinsurance, . 
Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

salaries of officers and employes, 

for State and local taxes, . 

for incidentals, .... 

for ground rent, .... 

Gross cash expenditures, 



$60,425 60 
1,893 14 



$18,770 92 
708 49 



$271,300 70 



62,246 60 

$209,054 10 
200,000 00 

$9,051 10 



$66,185 55 



30,439 96 

7,321 35 

11,347 59 

$115,294 45 



$58,532 46 



18,062 43 

15,966 40 

12,405 81 

10,926 64 

4,519 98 

9,077 59 

7,000 00 

$136,491 31 



180 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, . 
Fire risks written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



$6,760,808 00 
6,931,482 00 



Premiums. 

591,427 12 
75,364 59 



$13,692,290 00 $166,791 71 
7,090,359 00 86,764 01 



$6,601,931 00 $80,027 70 
207,967 00 2,939 45 



1,393,964 00 $77,088 25 



$285,750 00 
2,372,791 00 

$2,658,541 00 
2,445,291 00 

$213,250 00 
2,000 00 



$24,873 38 
31,348 30 

$56,221 68 
38,829 18 

$17,392 50 
212 00 



$211,250 00 $17,180 50 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), 
Fire losses incurred during the year, . . . v . 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$4,081,335 38 
2,702,133 51 
274,000 00 
16,000 00 
62,660 17 
15,246 10 
80,500 00 



EQUITABLE FIRE AND MARINE INSURANCE COMPANY OF 

PROVIDENCE, R. I. 

[Incorporated May, 1859. Commenced business September, I860.] 

Paid-up Capital, $300,000. 

Fred. W. Arnold, President. Jas. E. Tillinghast, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



500 shares Old National Bank, Providence, . 
200 " N'l lVk of Com'ce, Providence,. 
200 " American N'l B% Providence, . 
30 " Third Nat'l Bank, Providence, . 
100 " Fourth Nat'l Bank, Providence, . 
100 " First National Bark, Warren, . 



Tar value. 

$50,000 00 
10,000 00 
10,000 00 
3,000 00 
10,000 00 
10,000 00 



Market value. 

$56,500 00 
11,400 00 
10,800 00 
3,600 00 
12,000 00 
10,250 00 



1882.] 



INS. COS. OF OTHER STATES. 



181 



United States bonds, 
Union Pacific R.R. bonds, . 

N. Y. Elevated U.K. bonds, . 
Pawtuxet Valley R.R. bonds, 



$60,000 00 
25,000 00 

25,000 00 
25,000 00 



$70,050 00 
28,437 50 
28,562 50 
31,375 00 



$228,000 00 $262,975 00 



Summary of Assets Dec. 31, 1882. 
Cash value of unencumbered real estate, . $129,900 00 
Loans on mortgage of real estate (first liens*) , 50,000 00 
Stocks, bonds, etc., as per schedule, . . 262,975 00 
Cash in the office of the company, . . 1,172 64 

deposited in bank, .... 30,934 71 

Premiums in course of collection (gross), . 18,17144 

Notes taken for marine and inland risks, . 418 91 

Rents due and accrued, , 1,475 00 

Gross assets, f $495,047 70 

Liabilities. 

Losses adjusted, unpaid, .... $7,774 73 

claimed and reported, . . . 12,314 77 

disputed or resisted, .... 800 00 

Unearned premiums on outstanding risks, . 108,107 67 

Dividends to stockholders unpaid, . . 538 70 

State and local taxes, 500 00 

Commissions and brokerage, . . . 1,000 00 

Gross liabilities, except capital, . . 131,035 87 

Surplus as regards policy-holders, .... $364,011 83 
Paid-up capital, 300,000 00 

Surplus over capital, $64,011 83 

Income 

Cash received for fire premiums, . . $204,645 76 

Deduct reinsurance and return premiums, . 21,949 21 

Net cash received for fire premiums, . . $182,696 55 

Cash received for marine and inPd prem's, . $20,487 13 
Deduct reinsurance and return premiums, . 6,064 67 

Net cash recM for marine and inl'd prem's, . $14,422 46 

Interest received on bonds and mortgages, . . . 2,400 00 

Interest and dividends received from all other sources, . 13,367 25 

Income from rents, 8,667 25 

Gross cash income, . . . . . . . $221,553 51 



* Value of lands mortgaged, . . . . $50,900 00 
Value of buildings thereon, . . . 62,000 00 
Amount of insurance held as collateral, . 27,500 00 

t Including $25,000 special reserve fund, held under Rhode Island law. 



182 FIRE, MARINE, AND FIRE-MARINE [Dec. 31 



Expenditures, 

(ash paid for fire losses, . 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

( ash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 
for salaries and incidentals, 
for State and local taxes, . 

Expense on real estate, .... 

Gross cash expenditures, 



?109,704 G7 
2,522 83 

$4,159 69 
1,554 59 



$107,181 84 



$2,605 10 
20,743 90 
34,667 17 
25,921 45 
6,012 46 
2,770 33 

. $199,902 25 



Fire risks outstanding Dec. 31, 1881, 
written during 1882, 



Risks and Premiums. 

Premiums. 

$13,325,546 00 $136,177 72 
. 19,606,160 00 209,296 35 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$32,931,706 00 $345,474 07 
. 14,968,798 00 138,255 59 



$17,962,908 00 $207,218 48 
244,388 00 3,261 95 



$17,718,520 00 $203,956 53 



Marine risks outstanding Dec. 31, 1881, 
written during 1882, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$?5,586 00 $1,075 47 
3,106,761 00 22,357 92 



$3,182,347 00 $23,433 39 
2,933,861 00 20,619 46 



$248,486 00 
57,411 00 



$2,813 93 
810 37 



$191,075 00 $2,003 56 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
("ash dividends declared from organization of company, 
Dividends declared during the year (7 per cent.), 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$2,070,743 74 

1,468,801 73 

244,000 00 

21,000 00 

109,142 24 

4,035 59 

64,060 00 



1882.] 



INS. COS. OF OTHER STATES. 



183 



EXCHANGE FIRE INSURANCE COMPANY OF NEW YORK. 

[Incorporated April 9, 1853. Commenced business May 1853.] 

Paid-up Capital, $200,010. 
Richard C. Combes, Presick nt. George W. Montgomery, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

. $135,000 00 $139,725 00 



United States bonds, 



Securities held as collateral for cash loans : - 

United States bonds 

Rutgers Fire Insurance Company stock, 
Oriental Bank stock, .... 
New York Equitable Fire Ins. Co. stock, 
Home Insurance Company stock, 
Citizens' 1 Bank stock, .... 
Mechanics' Fire Insurance Company stock 
American Exchange Fire Ins. Co. stock, 
Fireman's Trust Fire Ins. Company stock, 
Nat 1 ! Mechanics 1 Banking Ass'n stock, 
Harlem Steamboat Nav. Company stock, 
Importers 1 and Traders 1 Fire Ins. Co. stock 
Phenix National Bank stock, 
Sterling Fire Insurance Company stock, 
Long Island Railroad Company bonds, 
Tradesmen's Fire Insurance Co. stock, 
Manhattan Life Insurance Co. stock, . 
American Telegraph Cable Co. stock, . 
M. K. and T. Railroad Company stock, 
Republic Fire Insurance Company stock, 
Wall Street National Bank stock, 
Marine National Bank stock, 
Chicago and Alton Railroad stock, 
La. and Mo. River Railroad bonds, 
Hanover Fire Insurance Company stock, 
Republic Fire Insurance Company stock, 
Lenox Fire Insurance Company stock, 
Gallatin National Bank stock, 
Richmond and Danville R. R. Co. stock, 



Market value 

$2,460 00 
3,000 00} 

675 00 
1,875 00 
4,350 00 I 
1,500 00 J 

750 00} 



Loaned thereon. 

$1,200 00 



7,500 00 



545 00 

210 00 

1,250 00 j 

300 00 

800 00 

660 00 

2,280 00 

5,750 00 

200 00 

2,500 00 

8,580 00 

10,000 00 

1,125 00 

14,000 00 

1,820 00 

6,650 00 

2,300 00 

2,800 00 

750 00 

1,080 00 

825 00 

525 00 



} 2,000 00 



200 00 

700 00 

600 00 

1,800 00 

5,000 00 

150 00 

1,700 00 

15,000 00 

800 00 

12,000 00 

1,500 00 

6,800 00 
1,100 00 

1,800 00 



} 



$79,560 00 $59,850 00 



Summary of Assets Dec. 31, 1882. 
Loans on mortgage of real estate (first liens*), $99,400 00 
Interest due or accrued thereon, . . . 2,048 50 



* Value of lands mortgaged, $103,000 00 

Value of buildings thereon, 110,000 00 

Amount of insurance held as collateral, . . . 103,600 00 



184 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Stocks, bonds, etc., as per schedule, . . $139,725 00 

Loans on collateral security as per schedule, 59,850 00 

Cash in the office of the company, . . 6,887 81 

Cash deposited in bank, .... 13,86220 

Interest due and accrued, .... 7*7 00 

Premiums in course of collection (net), . 16,417 52 

Gross assets, 



$338,978 03 



Liabilities. 

Losses claimed and reported, 
Losses disputed or resisted, .... 
Unearned premiums on outstanding risks, . 
Dividends to stockholders unpaid, 

Return premiums, 

Gross liabilities except capital, 

Surplus as regards policy-holders, 
Laid-up capital, 

Surplus over capital, .... 



$7,450 00 
1,000 00 

56,820 84 
449 20 
272 29 



65,992 33 



272,985 70 
200,010 00 



$72,975 70 



Income. 

Cash received for fire premiums, . . . $136,370 07 
Deduct reinsurance and return premiums, . 11,872 96 

Net cash received for fire premiums, . . $124,497 11 

Cash received for marine and inland premiums, . . . 5,416 53 

Interest received on bonds and mortgages, .... 6,175 60 

Interest and dividends received from all other sources, . 7,126 32 

Income from rents, 2,250 00 

Gross cash income, $145,465 56 



Expenditures. 

Cash paid for fire losses, .... $81,316 11 
Deduct salvage and reinsurance,. . . 1,578 43 

Net cash paid for fire losses, . . . $79,737 68 

Net cash paid for marine and inland losses, . . . 374 09 

Cash dividends paid, 17,000 85 

Cash paid for commissions and brokerage, . . . . 22,713 15 

salaries of officers and employes, . . . 17,648 <>5 

State and local taxes, . ... 4,026 28 

incidentals, 7,233 53 



Gross cash expenditures, 



: 48,733 93 



1882.] 



INS. COS. OF OTHER STATES. 



185 



Risks and Premiums. 

Fire risks outstanding Dec. 31, 1881, . 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



. §14,951,091 00 
. 20,190,101 00 


rremiums. 

$94,325 27 
111,142 97 


. $35,141,195 00 
. 18,780,096 00 


$205,468 24 
95,979 30 


. $16,361,099 00 
227,266 00 


$109,488 94 
1,293 13 


. $16,133,833 00 

$-'24,500 00 
221,915 00 


$108,195 81 

$8,213 50 
5,414 53 


$446,415 00 
334,015 00 


$13,628 03 
8,661 03 


$112,400 00 


$4,967 00 



Miscellaneous. 

Premiums received from organization of company, . 

Losses paid from organization of company, 

Cash dividends declared from organization of company, 

Dividends declared during the year (8^ per cent.), . 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, . 

Company's stock owned by directors, 



$2,859,471 00 

1,749,046 07 

319,621 35 

17,000 85 

79,684 61 

374 09 

108,180 00 



FARRAGUT FIRE INSURANCE COMPANY, NEW YORK. 

[Incorporated Jan. 29, 1872. Commenced busineBs Jan. 30, 1872.] 

Paid-up Capital, $200,000. 

John M. Furman, President. ■ Samuel Darbee, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 

Fourth National Bank stock, 

Delaware and Hudson Canal Co.'s stock, 

N. Y. Cent, and Hudson River R. R. stock, 



Par value. 

1250,000 00 
10,000 00 
20,000 00 
20,000 Q0 



Market value. 

$282,812 50 

12,300 00 

21,600 00 

25,200 00 



$300,000 00 $341,912 50 



186 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans : — 



Greenwich Insurance Company stock, 
Exchange Fire Insurance Company stock, 
Broadway Railroad Company stock, . 
Union Pacific Railroad Company stock, 
Hoffman Fire Insurance Company stock, 
Citizens' Gas Light Company stock, 



Market value. 
$1,125 00 
2,479 50 
2,260 00 
3,510 00 
6,0-40 00 
4,380 00 



} 



Loaned thereon. 

$600 00 
2,000 00 
2,000 00 
3,000 00 

8,000 00 



Summary of Assets Dec. 

Cash value of unencumbered real estate, . 

Loans on mort. of real estate (first liens*), 

Interest due or accrued thereon, . 

Stocks, bonds, etc., as per schedule, 

Loans on collateral security, as per schedule, 

Cash in the office of the company, 

Cash deposited in various banks, 

Interest due and accrued, .... 

Premiums in course of collection (gross), . 
Rents due and accrued, .... 

Office furniture, etc., . . .$1,000 00 

Premiums more than 3 mos. due, 179 70 

Gross assets, 

Liabilities. 
Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
State and locaLtaxes, .... 
Commissions and brokerage, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 

Income. 
Cash received for fire premiums, 
Deduct reinsurance and return premiums, 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Income from profit and loss account, .... 

Gross cash income, 



$19,794 50 $15,600 00 

31, 1882. 

$6,000 00 

21,500 00 

213 33 

341,912 50 

15,600 00 

504 86 

19,068 97 

114 00 

12,169 98 
134 67 



$2,946 63 
7,420 98 
2,812 50 

89,648 31 

2,125 00 

900 00 

1,163 28 



$117,218 31 



$172,576 62 
14,141 79 



107,016 70 

$310,201 61 
200,000 00 

$110,201 61 



$158,434 83 

1,037 08 

14,541 69 

1,206 22 

170 09 

$175,389 91 



' Value uf lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$19,000 00 
20,500 00 
19,000 00 



1882.] 



INS. COS. OF OTHER STATES. 



187 



Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, . 

for State and local laxes, 

for rent and incidentals, 

for repairs and taxes on real estate, . 

Gross cash expenditures, .... 
Risks and Premiums. 



$89,609 91 

24,000 00 

26,092 72 

22,260 00 

4,035 52 

18,405 33 

707 52 

$185,111 00 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



Premiums. 

$31,010,379 00 $173,901 88 
31,288,626 00 172,998 88 



162,299,005 00 $346,900 76 
30,338,109 00 163,697 81 



$31,960,896 00 
1,132,461 00 



$183,202 95 
4,701 64 



$30,828,435 00 $178,501 31 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$1,548,509 63 

585,030 60 

270,000 00 

24,000 00 

84,032 72 

95,150 00 



FIRE ASSOCIATION OF PHILADELPHIA. 

[Incorporated March 27, 1820. Commenced business Sept. 1, 1817.] 

Paid-up Capital $500,000. 

A. Loudon Snowdon, President. Jacob H. Lex, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 
Pittsburgh city bonds, . 
Camden city bonds, 
Lehigh Valley Railroad bonds, 
Pennsylvania Railroad bonds, 
Catawissa Railroad bonds, . 
Philadelphia and Erie Railroad bonds, 
Lehigh Coal and Nav. Company bonds, 



Par value. 

$475,000 00 

50,000 00 

6,000 00 

132,000 00 

108,000 00 

10,000 00 

129,000 00 

100,000 00 



Market value. 

$550,750 00 

53,000 00 

6,960 00 

162,560 00 

131,000 00 

12,100 00 

135,980 00 

115,500 00 



188 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Masonic Temple bonds, 

Pennsylvania Company bonds, 

Shamokin Valley and Potts. Railroad bonds 

Penn. and New York Canal Co. bonds, 

Texas and Pacific Railroad bonds, 

Northern Central Railroad bonds, 

Huntington and B. T. M. Railroad bonds, 

Louisville and Nashville Railroad bonds, 

Philadelphia city bonds, 

Cincinnati city bonds, .... 

Belt Railroad and Stock Yard Co. bonds, 

Phil., Wil. and Baltimore Railroad bonds, 

Philadelphia Passenger Railway bonds, 

Pennsylvania Railroad stock, 

Philadelphia, Ger. and Nor. Railroad stock 

Chestnut Hill Railroad stock, 

Phila. and Reading Railroad coupons, 

600 shares Fire Association stock, $ 180,000 



Tar value. 

$20,000 00 
138,000 00 

20,000 00 
8,000 00 

63,000 00 
168,000 00 

15,000 00 
100,000 00 
402,600 00 
125,000 00 

50,000 00 

50,000 00 

50,000 00 
151,500 00 

16,550 00 
3,500 00 
2,800 00 



Market value. 

$23,000 00 

146,280 00 

23,600 00 

9,920 00 

59,400 00 

193,200 00 

17,700 00 

90,500 00 

515,328 00 

162,500 00 

53,000 00 

46,750 00 

51,500 00 

181,042 50 

35,417 00 

7,490 00 

1,400 00 



$2,393,950 00 $2,785,877 50 



Securities held as collateral for cash loans : — 



Market value. Loaned thereon. 



Delaware and B. B. R.R. bonds, . 

Philadelphia and Reading Railroad bonds, 

Texas and Pacific Railroad bonds, 

Pennsylvania Railroad stock, 

North Pennsylvania Railroad stock, 

Lehigh Coal and Nav. Company stock, 

Lehigh Valley Railroad stock, 

Northern Pacific Railroad bonds, 

Pittsburgh, Cin. and St. Louis R.R. bonds, 

Pennsylvania Railroad stock, 

Lehigh Valley Railroad stock, 

Northern Pacific R.R. bonds, 

Phila. and Reading Railroad bonds, . 

35 shares Fire Association, . $6,650 00 



112,500 00 
7,400 00 ) 



$3,000 00 

10,000 00 

i 
i 

J 

\ 12,000 00 

20,000 00 
6,000 00 

i 20,000 00 

10,000 00 

$123,830 00 $81,000 00 



930 00 

5,975 00 

6,500 00 J 

15,050 00 

945 00 

22,440 00 

12,000 00 

11,950 00 

2,600 00 

10,200 00 

15,340 00 



Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $90,300 00 
Loans on mortgage of real estate (first liens*), 881,317 61 
Interest due or accrued thereon, . . . 17,969 24 
Stocks, bonds, etc., as per schedule, . . 2,785,877 50 
Loans on collateral security, as per schedule, 81,000 00 

* Value of lands mortgaged, $1,427,650 00 

Value of buildings thereon, B76.060 00 

Amount of insurance held as collateral, . . 712,400 00 



1882.] 



TXS. COS. OF OTHER STATES. 



189 



Cash in tin 1 office of the company, . . $19,353 81 

Cash deposited in various banks, . . 127,638.57 

Interest due and accrued 35,508 G7 

Premiums in course of collection (net), . 112,870 73 

Rents due and accrued, .... 750 

Gross assets, 

Deduct Bpecial deposits in other States, .... 

Balance 

Liabilities. 

Losses adjusted, unpaid, .... $99,301 58 

claimed and reported, . . . 117,625 00 

disputed or resisted, .... 10,999 00 

Total amount of losses, .... $227,925 58 
Less reinsurance, 14,402 17 

Net amount of unpaid losses, . . . $213,523 41 
Unearned premiums on outstanding risks, . 920,909 77 
Reclaimable on perpetual fire policies, 1,782,761 11 

Gross liabilities, except capital, . . $2,917,191 29 
Deduct liabilities on special deposits, . . 49,520 87 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 

Income. 

Cash received for fire premiums,.. . . $1,705,835 16 
Deduct reinsurance and return premiums, . 237,062 92 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Income from all other sources, 

Deposits received for perpetual fire risks, . $72,408 42 

Gross cash income, 

Expenditures. 
Cash paid for fire losses, .... $1,104,136 24 
Deduct salvage and reinsurance, . . 16,679 32 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and emplo}"es, . 
for State and local taxes, 

for incidentals, 

Deposits returned on perpetual fire risks, . $40,988 19 

Gross cash expenditures, .... 



$4,152,581 18 
67,800 00 

$4,084,781 13 



2,867,673 42 

. $1,217,107 71 
500,000 00 

. $717,107 71 



.,468,772 24 

58,993 50 

160,064 64 

4,763 24 

5,645 57 



. $1,698,239 19 



$1,087,456 92 

200,000 00 

355,360 89 

67,093 97 

46,680 35 

23,469 04 

. $1,780,061 17 



190 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1881, . $226,700,999 00 £3,534,886 63 
written during 1882, . . 125,926,167 00 1,716,788 12 



Total, $352,627,166 00 $5,251,674 75 

Deduct risks expired and terminated, . 137,303,174 00 1,540,774 91 



In force at end of year, . . . $215,323,992 00 $3,710,899 84 
Deduct amount reinsured, .... 4,572,001 00 59,019 32 



Net amount in force, . . . $210,751,991 00 $3,651,880 52 
Perpetual risks in force, . 83,846,067 00 1,876,590 64 



Miscellaneous. 

Premiums received from organization of company, . $14,201,234 00 

Losses paid from organization of company, 

Cash dividends declared from organization of company, 

Dividends declared during the year (40 per cent.), . 

Fire losses incurred during the year, .... 

Company's stock owned by directors, .... 



7,089,083 00 

2,379,762 00 

200,000 00 

1,141,338 33 

73,600 00 



FIRE INSURANCE COMPANY OF THE COUNTY OF PHILA- 
DELPHIA, PHILADELPHIA, PEXN. 

[Incorporated May 3, 1832. Commenced business April 9, 1833.] 

Paid-up Capital, $200,000. 

James N. Stone, Preside?it. Jdiin W. Dulles, Secretary. 

Detailed Statement oe Stocks, Ponds, etc. 

Par value. Market value. 

Jersey City loan, $J,000 00 $J, ( J00 00 

Camden county (N. J.) loan, . . . 15,000 00 16,200 00 

Lehigh Valley Railroad bonds, . . . 18,000 00 22,660 00 

Delaware & Bound Brook Railroad bonds, . 14,000 00 17,500 00 

North Pennsylvania Railroad bonds, . . 5,000 00 6,000 00 

Catawissa Railroad bonds, .... 4,000 00 4,840 00 

Pennsylvania Company bonds, . . . 12,000 00 13,020 00 

Pennsylvania & N. Y. Canal and R.R. bond, 10,000 00 12,480 00 

Elmira & Will iamsport Railroad stock, . 550 00 495 00 

Hunt. & Broad Top R.R. and C. Co. bonds, 10,500 00 12,180 00 

Pittsburg, Cinn. & St. Louis R.R. bonds, . 15,000 00 17,850 00 

Railway Car Trust of Pennsylvania bonds, 9,000 00 9,135 00 

American Steamship Co bonds, . . . 4,500 00 4,725 00 

West Jersey R.R. bonds, .... 9,00000 10,62000 

New York Car Trust, No. 2, !),000 00 9,180 00 

United New Jersey R.R. and C. Co. bonds, 10,000 00 12,000 00 

Philadelphia & Erie RR. bonds, . . . 10,000 00 10,300 00 

Pennsylvania Railroad bonds, . . . 11,000 00 13,700 00 

Pennsylvania Car Trust bonds, . . . 15,000 00 15,187 50 



f 190,550 00 |217,972 50 






1889.] 



INS. COS. OF OTHER STATES. 



191 



Securities held as collateral for cash loans 

150 shares Northern Lib. Gas Co., 
36 " National Bank, Northern Lib., 

100 " Colorado Coal & Iron Co , . 

Texas & Pacific ll.R. bonds, 

200 shares Pennsylvania R.R., 

LOO M Phila. & Reading R.R., 
30 " Clev. & Pittsburgh R.R., . 



Market value. Loaned thereon. 



$5,625 00 
5,670 00 
2,500 00 >j 
1,050 00 | 

12,000 00 j. 
2,650 On | 
3,000 00 j 



53,500 00 
3,200 00 



18,000 00 



533,395 00 $24,700 



Summary of Assets Dec. 31, 1882. 

('ash value of unencumbered real estate, . $14,500 00 

Loans on mort. of real estate (first liens), 108,450 00 

Interest due or accrued thereon, . . . 2,038 02 

Stocks, bonds, etc., as per schedule, . . 217,972 50 

Loans on collateral security, as per schedule, 24,700 00 

Cash in the office of the company, . . 1,333 15 

Cash deposited in bank, .... 9,296 47 

Notes taken for marine and inland risks, . 5,475 45 

Rents due and accrued, .... 48 58 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... $31 46 

claimed and reported, . . . 3,450 00 

disputed or resisted, .... 3,000 00 

Unearned premiums on outstanding risks, . 35,320 78 

ReelaimaMe on perpetual fire policies, . 72,678 09 

Dividends to stockholders unpaid, . . 12 00 

State and local taxes, ..... 1,000 00 

Commissions and brokerage, . . . 1,277 25 

Gross liabilities, except capital, . . 

Surplus as regards policy-holders, 
Paid-up capital, 



$413,814 17 



116,769 58 

$297,044 59 
200,000 00 

$97,044 59 



Surplus over capital, 

Income. 

Cash received for fire premiums, . . $72,162 90 

Deduct reinsurance and return premiums, . 7,517 72 

Net cash received for fire premiums, . . f 64,645 18 

Interest received on bonds and mortgages, . . . 6,160 88 

Interest and dividends received from all other sources, . 12,853 09 

Income from rents, 1,461 39 

Discount on perpetual premiums, 104 74 

Deposits received for perpetual fire risks, . . $5,957 80 

Gross cash income, $85,225 28 



192 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 
( ash paid for fire losses, .... $38,363 98 
Deduct salvage and reinsurance, . . 699 27 

Net cash paid for fire losses, . . . 

( lash dividends paid, ...... 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, . 

for incidentals, 

Deposits returned on perpetual fire risks, . $3,023 98 

Gross cash expenditures, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 
Perpetual risks in force, 



$4,930,529 00 
8,446,960 00 



.3,377,489 00 
6,837,674 00 



1,539,815 00 
163,250 00 



56,376,565 00 
2,707,483 00 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



£37,664 71 

20,255 00 

12,392 34 

5,817 09 

3,428 09 

4,796 12 

$84,353 35 

Premiums. 

$48,468 02 
71,947 05 

$120,415 07 
56,378 14 

$64,036 93 
583 24 

$63,453 69 
142,024 60 



$505,981 04 

315,110 09 

336,000 00 

20,000 00 

37,586 11 

37,400 00 



FIREMAN'S FUND INSURANCE COMPANY, SAN FRANCISCO, 

CAL. 

[Incorporated May 3, 1863. Commenced business June 18, 1863.] 

Paid-up Capital, $750,000. 

D. J. Staples, President. W. J. Dutton, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 

Oakland city bonds, 

Oakland (las Light Company bonds, . 
99 shares First National Gold Bank, . 
25 " Shipowners' and Merchants' Tug- 
boat, 



Par value. 

$580,000 00 

45,000 00 

17,000 00 

9,900 00 

2,500 00 



Market value. 

$696,000 00 
50,983 33 
17,085 00 
12,622 50 

750 00 



$654,400 00 $777,440 83 



1882.] 



INS. COS. OF OTHER STATES. 



193 



Securities held as collateral for cash loans : — 

CO shares Safe Deposit Company, 
10 ' 
15 ' 

100 ' 
300 ■ 
4-10 ■ 



California Street Railroad, . 
Presidio and Ferries Railroad, . 
Gold and Stock Telegraph Co., . 
Spring Valley Water Company, 
Masonic Hall Association, . 
Gallatin School District (Montana) bonds, 
35 shares Pacific Bank (S. F.), . 



Market value. Loaned thereon. 

$3,000 00' 

1,100 00 
900 00. 

8,000 00 
32,250 00 

4,400 00 

5,100 00 

4,200 00 



$2,950 00 

5,000 00 

27,000 00 

3,000 00 

4,000 00 



Summary of Assets Dec. 

Cash value of unencumbered real estate, 
Loans on mort. of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule 
Cash in the office oi the company, 
deposited in various banks, . 
Interest due and accrued, 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, etc., . 

Gross assets, 

Deduct special deposits in other States, 



Balance, $1,272,425 45 



$58,950 00 $41,950 00 

31, 1882. 

$210,270 03 

100,550 00 

386 45 

777,440 83 

41,950 00 

1,751 18 

58,784 42 

7,858 56 

77,244 58 

46,021 75 

167 65 

$1,322,425 45 

50,000 00 



Liabilities. 

Losses adjusted, unpaid, .... $8,764 90 

claimed and reported, . . . 21,918 53 

disputed and resisted, . . . 11,402 00 

Unearned premiums on outstanding risks, . 399,314 91 

Commissions and brokerage, . . . 1,974 44 

Bills payable, etc., 8,617 64 

Gross liabilities, except capital, . . §451,992 42 

Deduct liabilities on special deposits, . . 16,637 40 



Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, 



435,355 02 

$837,070 43 
750,000 00 

$87,070 43 



* Value of lands mortgaged $187,200 00 

Value of buildings thereon, .... 118,25000 
Amount of insurance held as collateral, . . 72,250 00 



194 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums, . . $638,999 21 

Deduct reinsurance and return premiums, . 156,653 19 

Net cash received for fire premiums, . . 

Cash received for marine and inl'd prem's, $233,010 72 
Deduct reinsurance and return premiums, . 83,136 25 

Net cash recVl for marine and inPd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, ... r . ... . 

Gross cash income, 



Expenditures 
Cash paid for fire losses, ... 
Deduct salvage and reinsurance, . 
Net cash paid for fire losses, 
Cash paid for marine and inland losses, 
Deduct salvage and reinsurance, 
Net cash paid for marine and inland losses, — 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, . 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, . 



$283,768 11 
22,864 21 



$122,385 15 
35,288 44 



$182,346 02 



149,874 47 

8,954 33 

29,869 38 

13,456 43 

$684,500 63 



$260,903 90 



87,096 71 
90,039 00 
73,764 69 
58,582 13 
10,769 29 
71,434 05 

$652,589 77 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$52,948,664 00 

51,630,943 00 

$101,579,607 00 

50,288,498 00 

$54,291,109 00 

4,132,049 00 



rremiums. 

$606,932 47 
653,144 39 



$1,260,076 86 
562,761 74 



$697,315 12 
87,282 08 



$50,159,060 00 $610,033 04 



Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$1,228,190 00 
12,180,646 00 



$88,344 69 
252,096 47 



$13,408,836 00 $340,441 16 
11,244,279 00 206,137 60 



$2,164,557 00 $134,303 56 
591,314 00 38,338 62 



$1, 573,243 00 $95,964 94 






L88*.] INS. COS. OF OTHER STATES. 



195 



Miscellaneous. 
Premium* received from organization of company, . 
Looses pud from organization of company, 
Cash dividends declared from organization of company, 
Dividends de tared during the year (12 per cent.), . 
Fire lose s incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$7,003,-433 00 

4,899,285 50 

1,076,060 00 

90,D00 00 

267,691 59 

83,480 43 

117,673 00 



FIREMEN'S INSURANCE COMPANY, DAYTON, OHIO. 

[Incorporated April, 1856. Commenced business 1856.] 

Paid-up Capital, $250,000. 

S. Craighkad, President. W. WOKMAS, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Dayton city bonds, . 
Music Hall Company bonds, 
Troy (O.) city bonds 
135 shares Merchants' National Bank, 
22 " Dayton National Bank, 



Cooper Hydraulic Company stock, 
Dayton St. Railroad Company stock, 
Third National Bank stock, . 
Personal loans secured, 



Par value. 

$110,000 00 

21,(00 00 

5,400 00 

10,000 00 

13,500 00 

2.2.0 00 



Market value. 

1113,987 50 

23,100 00 
5,400 00 

10,500 00 

.225 00 

3,520 00 



$L62,100 00 §174,732 50 



Securities held as collateral for cash loans : — 



Market value. 

$25,000 00 

750 00 

12,000 00 

11,200 00 



Loaned there on . 

f 12,500 00 

700 00 

8,000 00 

3,000 00 



$48,950 00 $24,200 00 



Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $73,147 81 

Loans on mortgage of real estate (first liens*), 91,197 35 

Interest due or accrued thereon, . . . 3,677 93 

Stocks, bonds, etc., as per schedule, . . 174,732 50 

Loans on collateral security as per schedule, 24,200 00 

Cash in the office of the company, . . 7,387 57 

deposited in bank, .... 18,454 02 

Interest due and accrued, .... 1,349 94 



* Value of lands mortgaged, .... $105,235 00 
Value of buildings thereon, .... 119,350 00 
Amount of insurance held as collateral, . . 50,900 00 



196 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Premiums in course of collection (net), . $39,314 87 
Notes taken for murine and inland risks, . 1,489 3C 

Rents due and accrued, .... 1,160 43 

Gross assets, $436,111 78 

Liabilities. 

Losses adjusted, unpaid $3,054 76 

claimed and reported, . . . 7,476 56 

disputed or resisted, .... 500 00 

Unearned premiums on outstanding risks, . 120,004 71 

Dividends to stockholders unpaid, . . 1,323 10 

State and local taxes, ..... 1,278 90 

Gross liabilities, except capital, . . 133,638 03 

Surplus as regards policy-holders, . . . $302,473 75 
Paid-up capital, ... 250,000 00 

Surplus over capital, $52,473 75 

Income. 

Cash received for fire premiums, . . $226,695 83 

Deduct reinsurance and return premiums, . 44,580 49 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 



$182,115 34 
6,103 30 
9,294 75 
4,781 79 



Gross cash income, .... 

Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, — 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employe's, . 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, . 

Risks and Premiums. 



$202,295 18 



$93,108 69 
2,798 79 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$16,886,233 00 
. 18,469,990 00 

$35,356,223 00 
. 15,707,273 00 

$19,648,950 00 
423,437 00 



$90,309 90 
19,767 30 
32,393 47 
16,748 24 
4,303 74 
21,427 72 

$184,950 37 



rremiums. 

$203,120 81 
226,695 83 



$429,816 64 
191,853 00 

$237,963 64 
5,498 91 



$19,225,513 00 $232,464 73 



1882.] 



INS. COS. OF OTHER STATES. 



11)7 



Miscellaneous. 

Premiums received from organization of company, . 

> paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$1,822,385 72 
7 ■ 1,801 23 
432,392 40 

20,000 00 
84,990 41 
43,920 00 



FIREMEN'S INSURANCE COMPANY, NEWARK, N. J. 

[Incorporated Dec. 3, 1S55. Commenced business Dec. 3, 1855.] 
Paid-l*p Capital, $500,000. 
S. R. W. Heath, President. D. II. Dunham, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

United States bonds $30,000 00 

Morris & Essex R R. bonds, . . . 20,000 00 

Central R.R of N. J. bonds, . . . 25,000 00 

Orange & Newark H.R.R. bonds, . . 5,000 00 

Newark City National Bank stock, . . 20,000 00 

Second National Bank stock, . . . 19,600 00 

National State Bank stock, .... 12,250 00 

Essex County National Bank stock, . . 10,400 00 

National Newark Banking Co. stock, . . 7,850 00 

German National Bank stock, . . . 2,300 00 

American Ins. Co. stock, .... 20,000 00 

Newark Fire Ins. Co. stock, . . . 2,340 00 

Newark City Ins. Co. stock, . . . 3,750 00 

Germania Ins. Co. stock, .... 2,000 00 

Morris & Essex R.R. stock, .... 11,800 00 

Newark Gas Light Co. stock, . . 5,000 00 



Market value. 

$39,450 00 

24,400 00 

27,250 00 

5,000 00 

26,000 00 

24,500 00 

14,210 00 

13,000 00 

10,597 50 

2,162 00 

32,000 00 

2,925 00 

2,812 50 

1,000 00 

14,396 00 

6,750 00 



$197,290 00 §246,453 00 



Securities held as collateral for cash loans : — 



Union Pacific R.R. stock, . . 
Western Union Tel. Co. stock, 
Cinn., Sandusky & Clev. R.R. stock, 
Indiana, Bloom & Western R.R. stock, 
Houston & Texas R.R. stock, 
Richmond & Danville R.R. stock, 
Northern Pacific R.R. stock, 
New Brunswick city bonds,. 
Lehigh Valley R.R. bonds, . 
Winona & St. Peter's R.R. bonds, 
Louisville city bonds, . 



Market value. Loaned thereon. 

$10,200 00^ 
16,000 00 
10,000 00 
16,500 00 
11,250 00 

5,500 00 J. $100,000 00 

4,700 00 

3,000 00 
24,150 00 
12,500 00 

5,750 00 



198 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Chicago & N. Western R.R. stock, . . $40,950 00 n 

Union Pacific R.R. stock, .... 10,200 00 I $50,000 00 

Chicago, Burl. & Quincy R.R. stock, . . 9,800 00 J 

Middlesex County National Bank stock, . 2,300 00 1,700 00 



$182,300 00 $151,700 00 

Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $118,472 70 

Loans on mort. of real estate (first liens*), 753,034 00 

Interest due or accrued thereon, . . . 13,815 26 

Stocks, bonds, etc, as per schedule, . . 246,453 00 

Loans on collateral security, as per schedule, 151,700 00 

Cash in the office of the company, . . 10,439 15 

deposited in bank, .... 7,771 07 

Interest due and accrued, . . . . 3,219 43 

Premiums in course of collection (gross), . 4,253 57 

Rents due and accrued, . . . 424 83 

Gross assets, $1,309,583 01 

Liabilities. 

Losses adjusted, unpaid, .... $845 71 

claimed and reported, . . . 19,003 00 

disputed or resisted, .... 2,000 00 

Unearned premiums on outstanding risks, . 118,343 40 

Unpaid scrip ordered to be redeemed, . . 2,246 00 

Interest due or accrued on scrip, . . 595 99 

Commissions and brokerage, . . . 560 27 

Return premiums, 254 38 

Gross liabilities, except capital, . . 143,848 75 



Surplus as regards policy-holders, . . . f 1,165,734 26 
Paid-up capital, 500,000 00 



Surplus over capital, $565,734 26 

Income. 

Cash received for fire premiums, . . $207,060 48 
Deduct reinsurance and return premiums, . 12,768 54 

Net cash received for fire premiums, . . $194,291 94 

Interest received on bonds and mortgages, . . . 45,154 03 

Interest and dividends received from all other sources, . 21,908 48 

Income from rents, 6,148 54 

Profit & Loss account, 13 89 



Gross cash income, $267,516 88 

* Total value of property mortgaged, . . . $1,817,700 oo 
Amount of Insurance held as collateral, . . . 948,810 00 



1882.] 



INS. COS. OF OTHER STATES. 



199 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance,. 

Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for redemption of scrip, 

for commissions and brokerage, 
for salaries of officers and employes, 
for State and local taxes, . 
for incidentals, .... 

Repairs on real estate, .... 

Gross cash expenditures, 



$82,374 46 
18 54 



$82,355 92 

60,000 00 

74 98 

26,868 21 

18,396 00 

7,435 50 

6,640 18 

1,113 86 

$202,884 65 



Fire risks outstanding Dec. 31, 1881, 
written during 1882, . 



Risks and Premiums. 

Premiums. 

$28,577,285 00 $221,206 64 
. 27,990,803 00 207,950 79 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, . 

Net amount in force, 



$56,568,088 00 $429,157 43 
27,432,862 00 199,308 04 



$29,135,226 00 $229,849 39 
119,394 00 937 65 



$29,015,832 00 $228,911 74 



Miscellaneous. 

Premiums received from organization of company, . . $3,284,370 56 

Losses paid from organization of company, . . . 1,105,344 06 

Cash dividends declared from organization of company, . 612,500 00 

Dividends declared during the year (12 per cent.), . 60,000 00 

Fire losses incurred during the year, 91,083 87 

Company's stock owned by directors, .... 314,400 00 



FIREMEN'S INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April 19, 1825. Commenced business, 1825.] 

Paid-up Capital, $ 204,000. 

John F. Halsted, President. P. Hanford Oakley, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 
New York Bank stock, 
Metropolitan Bank stock, 
American Exchange Bank stock, 



Par value. 

5212,000 00 
6,700 00 
6,000 00 
4,000 00 



Market value. 

?221,120 00 
9,782 00 
9,900 00 
5,200 00 



$228,700 00 $246,002 00 



200 FIRE, MA1UXE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 31, 1882. 

Loans on mortgage of real estate (first liens*), $34,30') 00 

Interest due or accrued thereon, . . . 771 75 

Stocks, bonds, etc , as per schedule, . . 246,002 00 

Cask in the office of the company, . . 865 16 

Cash deposited in hank, .... 494 56 

Interest due and accrued, .... 568 00 

Premiums in course of collection (gross), . 5,635 63 
Premiums more than 3 mos. due, §61 75 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... §3,354 85 

Losses claimed and reported, . . . 5,540 10 

Unearned premiums on outstanding risks, . 33,059 86 

Due and accrued for rent, salaries, etc., . 683 33 

State and local taxes, 372 67 

Commissions and brokerage, . . . 997 02 

Return premiums, 50 32 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, 

Income. 

Cash received for fire premiums, . . §60,881 17 

Deduct reinsurance and return premiums, . 6,123 52 

Net cash received for fire premiums, . . 

Cash received for marine and inl'd prem's, . §1,301 83 

Deduct reinsurance and return premiums, . 39 00 

Net cash rec'd for marine and inl 1 d prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, . 

Net cash paid for fire losses, . 

Cash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employ6s, 

for State and local taxes, . 

for incidentals, .... 



§63,157 57 
2,651 71 



Gross cash expenditures, 



§288,637 10 



44,058 15 

5244,578 95 
204,000 00 

§40,578 95 



§54,757 65 



1,262 83 
2,058 00 
9,831 00 



§67,909 48 



§60,505 86 

12,240 00 

8,118 10 

10,457 08 

947 35 

6,972 55 

§99,240 94 



• Value of lands mortgaged, $54,70000 

Value of building* thereon, 30,300 oo 

Amount of Insurance held as collateral, . . . 28,400 00 



1832.] 



IXS. COS. OF OTHER STATES. 



201 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total, ... . . 

Deduct risks expired and terminated, . 

In force at end of year, 



$10,592,201 00 
. 11,369,177 00 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



Premiums. 

$63,622 60 
62,173 01 



$21,961,378 00 
11,313,237 00 


$125,795 61 
60,745 76 


$10,648,141 00 
245,003 00 


$65,049 85 
1,481 84 


$10,403,138 00 

$48,500 00 
46,000 00 


$63,568 01 

$1,202 00 
1,201 83 


$94,500 00 
53,500 00 


$2,403 83 
1,286 75 



$41,000 00 $1,117 08 



S4,272,783 63 

2,691,632 30 

1,362,778 17 

12,240 00 

38,063 27 

65,518 00 



FRANKLIN FIRE INSURANCE COMPANY, PHILADELPHIA, PA. 

[Incorporated April 22, 1829. Commenced business June 1, 1829.] 

Paid-up Capital, $400,000. 

James W. McAllister, President. Ezra T. Cresson, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Maine state bonds, .... 
Philadelphia city bonds, 
Columbus city bonds, .... 
Camden city bonds, .... 
Pittsburg city bonds, .... 
West Jersey R.R. bonds, 
Phila. & Reading R.R. bonds, 
Harrisburg, P. L. & Mt. Joy R.R. bonds, 
Hestonville M. & F. P. R.R. bonds, . 
Camden & Amboy R.R. bonds, . 
Connecting R.R. bonds, 



Par value. 

$ 41 ,500 00 

7,000 00 

50,000 00 

5,000 00 

1,000 00 

14,000 00 

15,000 00 

17,000 00 

25,000 00 

10,000 00 

10,500 00 

20,000 00 



Market value. 

$43,056 25 

8,050 00 

65,000 00 

5,250 00 

1,100 00 

17,640 00 

17,850 00 

20,230 00 

25,750 00 

11,000 00 

11,760 00 

24,000 00 



202 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Easton & Amboy R.R. bonds, 
Huntington & Broad Top R.R. bonds, 
Lehigh Valley R.R bonds, . 

Elmira & WilliamsportR.R. bonds, 
Pennsylvania R.R. bonds, 
Steubenville & Indiana R.R. bonds, 
Lehigh Coal & Nav. Co. bonds, . 
100 shares Commercial National Bank, 
16 " Continental Hotel Co., 



Tar. value. 

$25,000 00 
10,000 00 
35,000 00 
10,000 00 
25,000 00 
17,000 00 
18,300 00 
5,000 00 
1,600 00 



Market value. 

$26,250 00 

11,600 00 

42,000 00 

9,900 00 

23,750 00 

18,020 00 

19,353 00 

6,000 00 

1,680 00 



$362,900 00 $409,239 25 



Securities held as collateral for cash loans : — 



333 shares Western Union Tel. Co., 
33 " Union Pacific R.R., . 
2,556 " Pennsylvania R.R., . 
1,000 " Germantown P. R.R., 
Phila. & Reading R.R. bonds, 
Hannibal & St. Joseph R.R. bonds, 
Nashville, Cinn. & St. Louis R.R. bonds, 
500 shares Lehigh Valley R.R., . 
St. Louis & Iron Mt. R.R. bonds, 
500 shares Pennsylvania R.R., 
Western Pennsylvania R.R. bonds, 
North Pennsylvania R.R. bonds, . 
Lehigh Navigation Co. bonds, 
Steubenville & Indiana R.R. bonds, 
New York Car Trust bonds, 
R.R. Equipment bonds, 
Steubenville & Indiana RR. bonds, 
Texas & Pacific Rio Grande R.R. bonds, 
Summit Branch R.R bonds, . 
Union & Titusville R.R. bonds, . 

200 shares Pennsylvania R.R., . 

100 " Northern Central R.R., 

200 " Pennsylvania R.R., . 

100 " Philadelphia & Erie R.R., 
1,006 " North Pennsylvania R.R., 
United States bonds, 
Philadelphia & Erie R.R. bonds, 
American Steamship Co. bonds, 
Philadelphia city bonds, 
United States bonds, 
North Pacific R.R. bonds, 
Lehigh Valley R.R. bonds, . 
North Pennsylvania R.R. bonds, 
Chicago & North Western R.R. bonds, 
Michigan Central R.R. bonds, 



J6 25^ 
J2 50 / 



Market value. 

$27,056 2 

3,38 
153,360 00 
70,000 00 
9,800 00 
28,875 00 
34,300 00 
31,750 00 
31,500 00 
30,000 00 
2,140 00 
6,250 OO^j 
5,525 00 j 
3,030 00 }> 
1,000 00 I 
1,000 00 j 
5,050 00 ^ 
4,250 00 | 
2,000 00 
930 00 
12,000 00 | 
5,750 00 J 
12,000 00 
2,000 00 
64,132 50 
36,075 00 
6,210 00 
5,300 00^ 
3,735 00 ! 
1,130 00 j 
1,053 75 j 
6,250 00 
1,590 00 
54,000 00 
9,850 00 



Loaned thereon. 

$25,000 00 

126,900 00 
40,000 00 
8,000 00 
25,000 00 
25,000 00 
25,000 00 
27,000 00 

} 27,500 00 



15,000 00 



y 25,000 00 



> 



11,000 00 

40,000 00 

25,000 00 

5,400 00 



10,000 00 

6,500 00 
50,000 00 



1882.] 



INS. COS. OF OTHER STATES. 



203 



Market value. Loaned thereon. 



Pennsylvania R.R. Co. bonds, 
100 shares N. Y. Central R R., 
500 " Phila. & Reading R.R., 



$37,450 00 
12,625 <»<» 
13,375 00 



$50,000 00 



$735,725 00 $.367,300 00 



Summary of Assets Dec. 31, 1882. 

$1,875,735 84 



Loans on movt. of real estate (first liens*) 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
deposited in various banks, . 
Interest due and accrued, 
Premiums in course of collection (net), 
Reinsurance deposit premiums, . 

Gross assets, .... 

Deduct special deposits in other States, 

Balance, 

Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends to stockholders unpaid, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



22,139 58 

400,239 25 

567,300 00 

3,829 CO 

154,457 80 

2,424 32 

51,154 44 

356 25 



$3,086,637 08 
|25,000 00 

$3,061,637 08 



$8,870 90 

22,493 27 

436,947 45 

1,359,796 16 

1,012 00 



Surplus over capital, 

Income. 

Cash received for fire premiums, . . $576,316 32 

Deduct reinsurance and return premiums, . 60,922 26 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

from commissions, transfers, etc., .... 
Deposits received for perpetual fire risks, . $30,850 00 

Gross cash income, 



1,829,119 78 

.1,232,517 30 
400,000 00 

$832,517 30 



^515,394 06 

108,302 67 

20,708 41 

32,292 01 

5,011 54 



$681,708 69 



* Total value of property mortgaged, . . $2,809,995 00 
Amount of insurance held as collateral, . 1,309,322 00 

t Since withdrawn and now in possession of the company. 



204 FIRE, MARINE, AND FIRE-MARINE [Doc. 31, 



Expenditures. 

Cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid tor commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, . 

for incidentals, .... 

Repairs on real estate 



Deposits on perpetual risks returned, 
Gross cash expenditures, 



$4J,711 04 



$366,074 02 

117,604 00 

72,073 57 

52,515 66 

36,371 97 

86,065 61 

10,713 99 



$741,418 85 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 



Risks and Premiums. 

Premiums. 

$138,533,812 00 $2,385,641 16 
. 57,455,807 00 610,594 22 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 
Perpetual risks in force, 



195,989,619 00 $2,996,235 38 
58,840,415 00 647,678 36 



437,149,204 00 $2,348,557 02 
320,564 00 2,819 96 



136,828,640 00 $2,345,737 06 
58,467,507 00 1,458,172 18 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (29 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$22,447,956 11 

12,458,549 06 

4,204,000 00 

116,000 00 

355,968 98 

47,900 00 



GERMAN AMERICAN INSURANCE COMPANY, NEW YORK, 

N. Y. 

[Incorporated March 7, 1872. Commenced business March 7, 1872.] 

Paid-up Capital, $1,000,000. 

Emil Oelbermann, President. James A. Silvey, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Tar value. Market value. 

United States bonds, $1,880,000 00 $2,211,525 00 



Missouri state bonds, . 
Rhode island state bonds, . 

N. Y. Central R.R. bonds, . 
Central Pacific R.R. bonds, . 
Union Pacific R.R. bonds, . 
Chicago, Rock Island & Pacific R.R. bonds, 



50,000 00 
50,000 00 
50,000 00 
50,000 00 
50,000 00 
50,000 00 



58,500 00 
57,500 00 
50,500 00 
50,750 00 
50,875 00 
02,750 00 



1882.] 



INS. COS. OF OTHER STATES. 



205 



Louisville & Nashville R.R. bonds, 
Cairo & Fulton R.R. bonds, . 
Chicago & N. Western R.R. bonds, 
Chicago, Mil. & St. Paul R.R. bonds, 
Erie R.R. bonds, .... 
Kansas Pacific R.R. bonds, . 
Syracuse, Bing. & N. Y. R.R. bonds, 
St. Louis, Kansas City & N. R.R. bonds 
Chicago, Mil. & St. Paul R.R. bonds, 
Little Miami R.R. bonds, 
N V., Lacka. & Western R.R. bonds, 
N. Y. & Harlem R.R. stock, 
N. Y. Central & II. R. R.R. stock, 
Morris & Essex R.R. stock, . 



Par value. 

$25,000 00 
25,000 00 
86,000 00 
30,000 00 
50,000 00 
75,000 00 
30,000 00 
93,000 00 
57,000 00 
25,000 00 

100,000 00 
50,000 00 

100,000 00 
20,000 00 



Market value • 

$23,000 00 

26,000 00 

87,280 00 

36,000 00 

62,500 00 

79,500 00 

36,600 00 

100,367 50 

53,580 00 

25,750 00 

109,000 00 

100,000 00 

126,000 00 

24,600 00 



$2,9-16,000 00 $3,444,577 50 



Summary of Assets Dec. 31, 1882. 



Stocks, bonds, etc., as per schedule, 

Cash in the office of the company, 

Cash deposited in various banks, 

Interest due and accrued, 

Premiums in course of collection (gross), 

Premiums more than 3 mos. due, $2,248 51 

Gross assets, 

Deduct special deposits in other States, 



$3,444,577 50 

4,431 07 

151,302 06 

2,000 00 

99,715 59 



Balance, 



$3,702,026 22 
85,000 00 

$3,617,026 22 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, . 

Less reinsurance, .... 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, 

Gross liabilities, except- capital, . 
Deduct liabilities on special deposits, . 



$55,386 42 

80,145 50 

8,824 76 

$144,356 68 
11,070 69 



$133,285 99 

1,029,395 43 

22,015 13 

^1,184,696 55 
16,443 76 



1,168,252 79 

. $2,448,773 43 
Paid-up capital, 1,000,000 00 

Surplus over capital, $1,448,773 43 



Surplus as regards policy-holders, 



206 FIRE, MARINE, AND FIRE-MARINE, [Dec. 31, 



Income. 
Cash received for fire premiums, . . . $1,751,028 38 
Deduct reinsurance and return premiums, . 261,906 40 

Net cash received for fire premiums, . . 

Iuterest and dividends received from all sources, 

Gross cash income, 

Expenditures. 
Cash paid for fire losses, .... $815,081 64 
Deduct salvage and reinsurance, . . 49,172 11 

Net casli paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, . 

for State and local taxes, 

for incidentals, 



$1,489,121 98 
133,393 34 

$1,022,515 32 



Gross cash expenditures, . 

Risks and Premiums. 



$765,909 53 
120,000 00 
215,329 50 
122,976 52 
37,919 94 
130,777 71 

$1,392,913 20 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Premiums. 

$1,796,723 59 
1,749,208 92 



$210,477,519 00 
188,134,696 00 

$398,612,215 00 
157,871,743 00 

$240,740,472 00 
7,137,983 00 

$233,602,489 00 $1,974,435 64 



13,545,932 51 
1,488,717 31 



1,057,215 20 
82,779 56 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$11,7-19,212 65 
5,106,178 62 
980,000 00 
120,000 00 
795,518 59 
392,400 00 



GERMAN FIRE INSURANCE COMPANY, PITTSBURGH, PA. 

[Incorporated March, 1862. Commenced business July, 1862.] 

Paid-up Capital, $200,000. 

C. Barcufeld, President. F. L. Gross, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $37,500 00 $43,618 12 

Allegheny County bonds, .... 11,00000 11,80000 

Pittsburgh city bonds, 



18,000 00 19,580 00 



1882.] 



INS. COS. OF OTHER STATES. 



207 



Newcastle & Lake Erie R.R. bonds, 
People's Park Pass. R.R. bonds, 
Howard school (list, bonds, . 
Kilbuck school dist. bonds, . 
Humboldt school (list, bonds, 
Colfax school dist. bonds, 
German National Bank stock, 
Third National Bank stock. . 
Exchange National Bank stock, 
M. & M. National Bank stock, 
Metropolitan National Bank stock, 
First National Bank stock (Allegheny), 



Par value. 

$3,000 00 
5,000 00 
5,000 00 
6,000 00 
5,000 00 
4,000 00 
6,000 00 
5,000 00 
1,300 00 
2,150 00 
300 00 
1,500 00 



Market value. 

$;>,600 00 
5,000 00 
5,315 00 
6,435 00 
5,000 00 
4,000 00 

11,700 00 
7,800 00 
2,132 00 
2,666 00 
300 00 
2,580 00 



$110,750 00 $131,526 12 



Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $17,151 97 

Loans on mortgage of real estate (first liens*), 205,991 00 

Interest due or accrued thereon, . . . 3,725 00 

Stocks, bonds, etc., as per schedule, . . 131,526 12 

Cash deposited in bank, .... 27,070 90 

Interest due and accrued, .... 425 00 

Premiums in course of collection (net), . 25,798 62 

Notes taken for fire risks, . . . . 1,416 67 

Rents due and accrued, .... 388 00 

Gross assets, 



$413,493 28 



Liabilities. 

Losses adjusted, unpaid, .... $8,400 00 

Unearned premiums on outstanding risks, . 100,311 61 

State and local taxes, 1,200 00 

Gross liabilities, except capital, . . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 

Income. 

Cash received for fire premiums, . . $181,031 67 
Deduct reinsurance and return premiums, . 21,357 32 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, . 

Income from rents, 



109,911 61 

$303,581 67 

200,000 00 

$103,581 67 



Gross cash income, 



$159,674 35 

12,515 49 

4,963 50 

925 07 

$178,078 41 



Total value of property mortgaged, . . $477,300 00 
Amount of insurance held as collateral, . 134,875 00 



208 FIRE, MARINE, AXD FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 
for State and local taxes, . 

Gross cash expenditures, . 

Risks and Premiums. 



$76,660 04 

24,000 00 

33,200 26 

16,643 22 

4,743 70 

$155,307 28 



Fire risks outstanding Dec 31, 1881, 
Fire risks written during 1882, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



Premiums. 

$13,088,887 00 $158,638 97 
. 16,185,105 00 184,708 24 



$29,273,992 00 $343,347 21 
. 12,405,869 00 146,912 47 



$16,868,123 00 $196,434 74 
70,500 00 560 00 



$16,797,623 00 

Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, . 
Dividends declared during the year (12 per cent.), . 

Fire losses incurred during the year, 

Company's stock owned by directors, . 



§195,874 74 



11,268,507 39 

380,744 89 

362,000 00 

24,000 00 

85,060 04 

29,950 00 



GERMANIA FIRE INSURANCE COMPANY, NEW YORK. 

[Incorporated March, 1859. Commenced business March, 1859.] 

Paid-up Capital, $1,000,000. 

Rudolph Garrigue, President. Hugo Schumann, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value 

United States bonds $1,375,000 00 $1,627,437 50 

St Paul, Minn, and Manitoba R. R. bond, 20,000 00 22,200 00 

50 shares National Park Bank, . . . 5,000 00 8,000 00 



$1,400,000 00 $1,657,637 50 
Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

55 shares First National Bank, Jersey City, $7,150 00 $5,200 00 

Jersey City bonds, 2,140 00 

Cincinnati city bonds, 7,420 00 

Mich. So. and No. Indiana It. R. bonds, . 2,120 00 1,350 00 



9,000 00 



$18,830 00 $15,550 00 



1882.] 



INS. COS. OF OTHER STATES. 



209 



Summary of Assets Dec. 81, 1882. 
Cash value of unencumbered real estate, . $401,379 67 
Loans on mortgage of real estate (first liens*), 217,100 00 



Interest due or accrued thereon, . 

Stocks, bonds, etc., as per schedule, 

Loans on collateral security, as per schedule 

Cash in the ollice of the company, 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (net), 

Rents due and accrued, 

Mississippi deposits, .... 

Gross assets, 

Deduct special deposits in other States, 

Balance, 



6,210 93 

1,657/537 50 

15,550 00 

14,712 23 

130,500 81 

388 64 

111,652 73 

4,025 00 

7,500 00 



- $2,566,657 51 
106,718 75 

. $2,459,933 76 



Liabilities. 

Losses adjusted unpaid, .... $10,016 21 

Losses claimed and reported, . . . 88,975 14 

Losses disputed or resisted, .... 24,177 63 

Unearned premiums on outstanding risks, . G92,545 29 

Interest due or accrued, .... 1,750 00 

State and local taxes, 6,550 27 

Gross liabilities except capital, . . $824,044 54 

Deduct liabilities on special deposits, . 46,776 64 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



777,267 90 

$1,682,670 86 
1,000,000 00 

$682,670 86 



Income. 

Cash received for fire premiums, . . . $1,279,342 27 

Deduct reinsurance and return premiums, 133,267 03 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 



Interest and dividends received from all other sources, 
Gross cash income, 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and reinsurance, . 
Net cash paid for fire losses, 



$578,568 45 
6,471 60 



$1,146,075 24 
18,446 29 
83,711 56 

$1,248,233 09 



$572,096 85 



* Value of lands mortgaged $209,800 00 

Value of buildings thereon, 231,950 00 

Amount of insurance held as collateral, . . . 220,350 00 



210 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, 

Risks and Premiums. 



8100,000 00 

216,327 44 

66,901 21 

26,949 77 

146,476 01 

^1,128,751 28 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total, 

Deduct risks expired and terminated, 

Tn force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$112,856,791 00 
145,920,690 00 

$258,777,481 00 
121,204,360 00 

$137,573,121 00 
1,630,319 00 



Premiums. 

$1,114,152 81 
1,279,496 47 

$2,393,649 28 
1,048,787 42 

$1,344,861 86 
16,400 12 



$135,942,802 00 $1,328,461 74 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, 
Company's stock owned by directors, 



$11,251,294 22 

6,591,309 73 

1,401,000 00 

100,000 00 

637,759 13 

129,550 00 



GIRARD FIRE AND MARINE INSURANCE COMPANY, PHILA- 
DELPHIA, PENN. 

[Incorporated March, 1853. Commenced business May, 1853.] 

Paid-up Capital. $300,000. 

Alfred S. Gillett, President. Edwin F. Merrill, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Philadelphia city bonds, 
Louisville city bonds, .... 
St. Louis county and city bonds, . 
American Steamship Company bonds, . 
Union Pacific Railroad Company bonds, 
Connecting Railroad Company bonds, 
Pennsylvania Railroad Company bonds, 
Camden and Amboy It. R. Company bonds 
Philadelphia and Erie R. R. Co. bonds, 
Philadelphia and Reading R. It. Co. bonds, 
Philadelphia and Reading It. R. Co. scrip, 



Par value. 

$142,500 00 

10,000 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

10,000 00 

10,000 00 

17,000 00 

10,000 00 

5,000 00 

1,750 00 



Market value. 

f 159,970 00 

13,500 00 

11,200 00 

12,000 00 

5,250 00 

5,800 00 

11,900 00 

12,500 00 

19,680 00 

11,500 00 

3,650 00 

1,277 50 



1882.] 



INS. COS. OF OTHER STATES. 



211 



Par value, 

Lehigh Navigation Company bonds, . . $11,000 00 

Susquehanna Coal Company bonds, . . 3,000 00 

Lancaster and Reading 11 It. Co. bonds, . 10,000 00 

No. Pennsylvania R. R. Co. bonds, . . 5,000 00 

45 shares Phi la. and Darby Pass. Railroad, 2,250 00 

Illinois Township bonds, .... 6,000 00 

1 share Nat'l Fair Ground Association, . 100 00 



Market value. 

$12,700 00 
3,300 00 
11,500 00 
6,250 00 
1,800 00 
6,000 00 
100 00 



Securities held as collateral for cash loans 



$273,600 00 $309,937 50 



Market value. Loaned thereon. 



100 shares M. and M. Schraeder Company, $17,500 00 

People's Pass. Railroad Company bonds, . 5,000 00 

Argent Mining Company bonds, . . . 500 00 

Temporary loan secured, 

Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $333,800 00 

Loans on mortgage of real estate (first liens*) 431,183 32 

Interest due or accrued thereon, . . . 8,203 G6 

Stocks, bonds, etc., as per schedule, . . 309.937 50 

Loans on collateral security, as per schedule, 16,550 00 

Cash in the oflice of the company, . . 2,438 21 

Cash deposited in various banks, . . 55,913 84 

Interest due and accrued, .... 1,170 89 

Premiums in course of collection (gross), . 45,066 42 

Rents due and accrued, .... 2,313 54 

Perpetual insurance deposit, . . . 2,065 50 

Gross assets, 

Liabilities. 

Losses claimed and reported, . . . $26,261 15 

Unearned premiums on outstanding risks, . 226,540 20 

Reclaimable on perpetual fire policies, . 110,623 53 

Accrued for salaries and expenses, . . 376 60 

State and local taxes, 338 33 

Commissions and brokerage, . . . 7,868 24 

Return premiums, 1,502 35 

Reinsurance, 387 00 

Gross liabilities, except capital, . . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 



} 



$8,450 00 

5,000 00 
3,100 00 

$16,550 00 



$1,208,644 88 



373,897 40 

$834,747 48 
300,000 00 

$534,747 48 



* Total value of property mortgaged, . .$1,220,490 00 
Amount of insurance held as collateral, . 265,975 00 



212 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



$349,512 54 
34,977 24 



Income. 

( ;in]i received for fire premiums, . 
Deduct reinsurance and return premiums, 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Deposits received for perpetual fire risks, . $6,784 46 

Gross cash income, 

Expenditures. 

Cash paid for fire losses, .... $141,376 81 
Deduct salvage and reinsurance, . . . 1,860 75 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, . 

for incidentals, 

Deposits returned on perpetual 
fire risks, $3,728 36 

Gross cash expenditures, 

Bisks and Premiums. 



Fire risks outstanding Dec. 31, 1881, . 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$48,214,887 00 
. 35,969,281 00 



$314,535 30 

28,271 91 

13,376 12 

17,416 71 



$373,600 04 



$139,516 06 
75,000 00 
63,412 13 
35,418 67 
22,264 87 
30,737 45 



$366,349 18 



Premiums. 

$555,398 51 
356,687 40 



$84,184,168 00 $912,085 91 
36,871,829 00 343,608 73 



$47,312,339 00 
978,582 00 



$568,477 18 
9,928 01 



$46,333,757 00 $558,549 17 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (25 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$5,744,727 00 

2,511,135 33 

837,196 00 

75,000 00 

147,471 65 

110,700 00 



1882.] 



INS. COS. OF OTHER STATES. 



213 



GLENS FALLS INSURANCE COMPANY, GLENS FALLS, N. Y. 

[Incorporated Kay, 1849. Commenced business May, 1350.] 

Paid-up Capital, $200,000. 

R. M. Little, President. J. L. Cunningham, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $510,000 00 586,550 00 

First National Bank (Glens Falls) stock, . 10,000 00 15,000 00 



$520,000 00 $(301,550 00 



Securities held as collateral for cash loans : — 



Market value. Loaned thereon. 



W . stern Union Tel. Co. stock, 

Lake Erie & Western R R. bonds, 

Union Pacific R.R. bonds, 

N. Y. Central & H. R. R.R , stock, 

Albany & Susquehanna R.R. stock, 

Metropolitan Elevated R.R. stock, 

Union Pacific R.R. stock, 

Erie R.R. bonds, .... 

N. Y. Elevated R.R. Co. bonds, . 



$48,900 00 

19,300 00 

1,175 00 

12,600 00 

6,250 00 J 
74,700 00 
102,500 00 a 
12,800 00 
5,887 00 J 



$10,000 00 

) 

j> 35,000 00 

50,000 00 
100,000 00 



$281,112 00 $225,000 00 



Summary of Assets Dec. 31, 1882. 

$13,400 00 

268,286 75 

2,338 07 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in various banks, . 
Interest due and accrued, .... 
Premiums in course of collection (gross), . 
Premiums more than 3 mos. due, $894 58 
Gross assets,f 



601,550 00 

225,000 00 

1,283 75 

77,476 17 

1,069 58 

21,925 96 



$1,212,330 28 



* Value of lands mortgaged, . . . $318,350 00 

Value of buildings thereon, . . . 303,050 00 
Amount of insurance held as collateral, . 242,600 00 

t Including $200,000 special reserve fund, held under New York law. 



214 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Liabilities. 

Losses adjusted, unpaid, .... $15,031 10 

claimed and reported, . . . 11,G22 00 

disputed or resisted, . . . 4,600 00 

Total amount oflosses, . . . . $31,253 10 
Less reinsurance, 1,102 07 

Net amount of unpaid losses, . . $30,151 03 

Unearned premiums on outstanding risks, . 344,269 92 
Commissions and brokerage, . . . 3,423 08 

Gross liabilities, except capital, . . $377,844 03 

Surplus as regards policy-holders, . . . $334,486 25 
Paid-up capital, 200,000 00 

Surplus over capital, $034,486 25 

Income. 

Cash received for fire premiums, . . $464,370 27 
Deduct reinsurance and return premiums, . 56,172 07 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 



Gross cash income, 

Expenditures. 

Cash paid for fire losses, .... $189,715 15 
Deduct salvage and reinsurance, . . 2,423 19 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, .... 

for incidentals, 

Gross cash expenditures, 

Risks and Premiums. 



$408,198 20 

15,137 22 

31,428 03 

286 50 

$455,049 95 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 

Deduct amount reinsured, . 

Net amount in force, . 



$61,750,609 00 
. 46,663,618 00 



$10^,414,227 00 
. 38,922,912 00 



$69,491,315 00 
. 1,123,803 00 



$187,291 96 
20,000 00 
75,271 17 
30,773 24 
10,992 09 
3:>,345 25 

$359,673 71 



Premiums. 

$564,266 09 
465,971 87 

11,030,237 96 
358,469 17 

$671,768 79 
15,832 40 



$68,367,512 00 $655,936 39 



1882.] 



INS. COS. OF OTHER STATES. 



215 



Miscellaneous. 
Premiums received from organization of company, . 

os paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$-./>l:t.OOO 08 

1.172 78 

310,000 00 

20,000 00 

196,722 98 

71,830 00 



GREAT WESTERN (MARINE) INSURANCE COMPANY, NEW 

YORK, N. Y. 

[Incorporated September, 1856. Commenced business October, 
Pun-ur- Capital, $662,080. 
Ferdinand Motz. President. Wm. T. Lockwood, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $650,000 00 $800,625 00 

West India & Panama Tel. Co. bonds, . 10,000 00 2,0 -0 00 



$660,000 00 $302,625 00 



Summary of Assets Dec. 81, 1882. 



Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 

Cash deposited in bank, 
Premiums in course of collection (net), 
Notes taken formaline and inland risks, 
Accounts due (secured), 

Gross assets, ..... 

Liabilities. 
Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, . 
Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, . 
Dividends to stockholders unpaid, 
Due for borrowed money, . 
Accounts due, .... 
Reinsurance due, .... 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 



$802,625 00 
328 15 
40,272 60 
58,316 95 
55,948 58 
10,319 26 



111,200 00 
26,620 00 
37,500 00 



$967,810 54 



§75,320 00 
15,557 00 

$59 763 00 

65,927 00 

2,730 00 

5,944 83 

1,539 40 

100,000 00 

205 70 

3,611 85 



239,831 78 

. §727,978 76 

Paid-up capital, 662,080 00 

Surplus over capital, §j5,898 76 



216 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



$583,128 03 
128,095 79 



Income. 
Cash received for marine and inTd prern's, 
Deduct reinsurance and return premiums, . 

Net cash rec"d for marine and inl'd prem's, 

Interest and dividends ree'd from all sources, 

Gross cash income, 

Expenditures. 

Cash paid for marine and inland losses, . $367,903 85 
Deduct salvage and reinsurance, . . . 38,759 54 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, . 

Gross cash expenditures, . 

Kisks and Premiums. 



Marine risks outstanding Dec. 31, 1881, 
Marine riskswritten during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



$7,324,327 00 
50,066,337 00 



$57,390,664 00 
. 51,053,801 00 

. $6,336,863 00 
290,107 00 



Net amount in force, .... $6,046,756 00 

Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year, .... 
Marine and inland losses incurred during the year, 
Company's stock owned by directors, 



$160,032 24 
27,225 41 

$487,257 65 



$329,144 31 

23,182 80 

40,687 58 

34,081 99 

4,992 52 

$432,089 20 



rremiums. 

$79,770 00 
545,952 90 

.625,722 90 
556,632 90 

$69,090 00 
3,163 00 

$65,927 00 



$37,251,836 00 

26,231,837 23 

2,918,740 00 

23,172 80 

369,211 96 

212,680 00 



GREENWICH INSURANCE COMPANY OF THE CITY OF 

NEW YORK, N. Y. 

[Incorporated May 5, 1834. Commenced business Jan. 1, 1835.] 

Paid-up Capital, $200,000. 

Samuel C. Harriot, President. Mason A. Stone, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United Stales bonds, $255,000 00 $300,031 25 

District <>f Columbia bonds, . . . 125,000 00 138,125 00 

Harlem K. and Pt. Chester Railroad bonds, 10,000 00 12,600 00 

400 shares National Broadway Bank, . . 10,000 00 25,000 00 



$400,000 00 $175,756 25 



1882.] 



INS. COS. OF OTHER STATES. 



217 



Securities held as collateral for cash loans : — 



Chicago and Alton Railroad mort. bonds, 
Union Pacific Railroad bonds, 
40 shares Williamslmrgh City Ins. Co., 
Grand Rapids and Ind. R. R. mort. bonds, 
United States bonds, .... 
5 shares American Exchange Ins. Co., 
Kansas Pacific Railroad mortgage bonds, 
St. Louis, Kan. City, and N. P. K.R. bonds, 
400 shares Union Pacific Railroad, 
400 " Central Pacific Railroad, . 
200 " Delaware and Hudson Canal Co. 
100 " Chic , Mil. and St. Paul R. R., 
200 " Delaware and Hudson Canal ( Jo 
100 " Chicago, Burl, and Quincy R R. 

30 " Western Union Telegraph Co., 
200 " Central Gas Light Co., 

87 " Wmsburgh City Gas Light Co. 



Market value. 

$2,320 (.0 

2,240 00 

4,500 00 

2,260 00 

2,262 50 

500 00 

2,120 00 ^ 

2,040 00 

41,400 00 

34,800 00 

21,600 00 

10,600 00J 

21,600 00 

12,300 00 

2,400 00 

7,000 00 

3,480 00 



Loaned thereon. 

$1,800 00 
2,000 00 
3,200 00 
1,500 00 
2,000 00 
400 00 



} 90,000 00 



30,000 00 



2,500 00 



$173,422 50 $133,400 00 



Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $175,000 00 

Loans on mort. of real estate (first liens*), 38,176 00 

Interest due or accrued thereon, . . . 275 28 

Stocks, bonds, etc., as per schedule, . . 475,756 25 

Loans on collateral security, as per schedule, 133,400 00 

Cash in the office of the company, . . 11,049 48 

Cash deposited in National Broadway Bank, 33,155 96 

Interest due and accrued, .... 300 53 

Premiums in course of collection (gross), . 46,397 16 

Notes taken for marine and inland risks, . 487 43 

Rents due and accrued, .... 1,133 33 
Premiums more than 3 mos. due, $6,318 82 

Gross assets, 



$915,131 42 



Liabilities. 

Losses adjusted, unpaid, .... $13,282 63 

claimed and reported, . . . 53,772 06 

disputed or resisted, .... 12,225 00 

Unearned premiums on outstanding risks, . 314,109 45 

State and local taxes, 1,000 00 



* Value of lands mortgaged $124,500 00 

Value of buildings thereon, .... 80,000 00 
Amount of insurance held as collateral, . . 33,676 00 



218 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Commissions and brokerage, 

Return premiums, 

Gross liabilities except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 



$11,000 00 
250 00 



£105,639 14 



. |509,492 28 

200,000 00 



. $309,492 28 



Income. 

Cash received for fire premiums, . . . $438,521 19 
Deduct reinsurance and return premiums, . 23,G69 33 

Net cash received for fire premiums, . . 

Cash recM for marine and inl'd premiums, . $111,912 05 
Deduct reinsurance and return premiums, . 12,867 81 

Net cash ree'd for marine and inl'd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Gross cash income, $546,898 27 



$114,851 86 



99,044 24 
2,765 56 

22,545 70 
7,690 91 



Expenditures. 
Cash paid for fire losses, 
Deduct salvage and reinsurance, . 
Net cash paid for fire losses, 
Cash paid for marine and inland losses, 
Deduct salvage and reinsurance, . 
Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, . 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, ... 



$214,618 37 
8,927 02 



$70,062 09 
14,335 78 



$205,691 35 



55,726 31 
60,000 00 
106,948 67 
39,636 02 
7,294 76 
15,427 48 



$490,724 59 



Fire risks outstanding Dec 31, 1881, 
written during 1882, . 



Risks and Premiums. 

rremlumi. 

$83,240,040 00 $347,791 94 
102,538,458 00 445,414 97 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$185,778,498 00 $793,206 91 
. 69,574,610 00 269,541 17 



$116,203,888 00 $523,665 74 
711,885 00 5,738 75 



1115,492,003 00 $517,926 99 



1882.] INS. COS. OF OTHER STATES. 



219 



Marine risks outstanding Dec. 81, 1881, 
Marine risks written (.hiring 1882, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



, $1,867,470 00 
. 38,660,912 00 

$40,534,382 00 

. 38,883.140 00 

. $1,645,242 00 
14,000 00 



Premiums. 

$29,916 93 
108,663 £2 

$138,580 75 
100,616 93 

$37,963 82 
216 78 



$1,631,242 00 $37,747 04 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (30 per cent.), . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, .... 



$4,288,515 14 

1,952,737 54 

1,758,000 00 

60,000 00 

246,948 87 

43,456 75 

80,350 00 



GUARDIAN FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated Feb., 1863. Commenced business Feb , 1S63.] 

Paid-up Capital, $200,000. 

Wm. C. Thompson, President. Walter K. Paye, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

District of Columbia bonds, . . . $200,000 00 $222,000 00 

Harlem River and Pt. Chester R.R. bonds, . 15,000 00 18,750 00 



$215,000 00 $240,750 00 



Summary of Assets Dec. 31, 1882. 



Loans on mort. of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in Chatham National Bank 
Premiums In course of collection (gross), 

Gross assets, 

Liabilities. 
Losses claimed and reported, 
disputed or resisted, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 



$7,500 00 

75 00 

240,750 00 

1,025 27 

1,425 64 

5,159 53 



$7,900 00 

1,000 00 

34,289 60 

500 00 



$255,935 44 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$10,000 00 
15,000 00 
12,000 00 



220 FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



Due for borrowed money, . 
Commissions and brokerage, 

Gross liabilities except capital, 

Surplus as regards policy holders, 
Paid-up capital, 



55,800 00 
500 00 



Surplus over capital, 

Income. 
Cash received for fire premiums, 
Deduct reinsurance and return premiums, . 
Net cash received for fire premiums, . . — 
Interest received on bonds and mortgages, 
Interest and dividends rec'd from all other sources, 
Income from all other sources, .... 

Gross cash income, 

Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, . 

for State and local taxes, . 

for rent and incidentals, 

Gross cash expenditures, .... 



$81,506 64 
11,758 38 



$40,989 GO 

$205,945 84 

200,000 00 

$5,945 84 



$69,748 26 

450 00 

8,288 87 

45.'] 92 

$78,941 05 



$41,573 13 

11,000 00 

15,202 26 

12,098 40 

1,023 27 

7,313 71 

$88,2 1U 77 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



. $9,991,216 00 
. 15,600,000 00 

$25,591,216 00 
. 10,881,694 00 

$14,709,522 00 
457,060 00 

$14,252,462 00 $68,326 53 



Premiums. 

$72,308 11 
80,104 58 

M 52,4 12 69 
79,559 95 



$72,852 74 
4,526 21 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (5j^ per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$1,404,872 00 

865,373 00 

221,000 00 

11,000 00 

47,878 00 

90,000 00 



1882.] 



IXS. COS. OF OTHER STATES. 



221 



HANOVER FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April, 1862. Commenced business April, 1852.] 

Paid-up Capital, $1,000,000. 

Benj S. Walcott, President. I. R. Lane, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value 

$1,325,000 00 $1,553,292 50 

20,000 00 21,000 00 

27,000 00 29,730 00 

50,000 00 64,500 00 

25,000 00 32,750 00 

50,000 00 64,000 00 

75,000 00 88,000 00 

25,000 00 27,687 50 

25,000 00 26,875 00 

20',000 00 23,550 00 

50,000 00 50,375 00 

25,000 00 20,750 00 

30,000 00 34,200 00 

25,000 00 23,593 75 

25,000 00 21,343 75 

5,000 00 5,000 00 

10,000 00 14,100 00 

7,500 00 12,750 00 

15,000 00 18,900 00 

10,000 00 22,000 00 



United States bonds, 
Connecticut state bonds, 
Missouri state bonds, . 
Brooklyn city bonds, . 
N. Y. & Harlem R.R. bonds, 
Erie R.R. Co. bonds, 
Union Pacific R.R. bonds, 
Cairo & Fulton R.R. bonds, . 
Pacific R.R. of Missouri bonds, . 
N. Y. Elevated R.R. bonds, . 
Kansas Pacific R.R. bonds, . 
Richmond & Allegheny R.R. bonds, 
Flint & Pere Marquette R.R. bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Norfolk & Western R.R. bonds, . 
100 shares Rensselaer & Saratoga R.R., 
75 " Metropolitan National Bank, 
150 " American Exch. National Bank, . 
100 " Central Trust Co., 



$1,844,500 00 §2,154,397 50 



Securities held as collateral for cash loans : — 
25 shares Hanover National Bank, 



Market value. Loaned thereon. 

$3,375 00 $1,500 00 



Summary of Assets Dec. 31, 1882. 

Loans on mortgage of real estate (first liens*), $200,750 00 

907 91 

2,154,397 50 

1,500 00 

19,572 36 

62,720 25 

9,844 17 



Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 

deposited in bank, . 
Interest due and accrued, .... 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$184,000 00 
249,000 00 
200,100 00 



222 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Premiums in course of collection (net), . §109,606 97 
Premiums more than 3 mos. due, $1,436 35 

Gross assets, $2,559,299 16 

Deduct special deposits in other States, .... 116,337 50 



Balance, 



Liabilities. 



Losses adjusted unpaid, 

claimed and reported, 
disputed or resisted, . . » 

Total amount of losses, . 
Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
State and local taxes, .... 
Return premiums, .... 

Gross liabilities, except capital, . 
Deduct liabilities on special deposits, . 



Surplus as regards policy-holders, 
Paid-up capital, 



82,442,961 66 



$16,913 26 
96,471 70 
29,567 63 

. 1 142,952 59 
3,513 01 

. $ 139,439 58 
702,938 30 
700 00 
566 39 

$843,644 27 
50,199 37 



793,444 90 



. $1,649,516 76 
. 1,000,000 00 



Surplus over capital, 



$649,516 76 



Income. 

Cash received for fire premiums, . . . $1,223,378 86 
Deduct reinsurance and return premiums, . 140,333 38 



Net cash received for fire premiums, . 

Interest received on bonds and mortgages, 
Interest and dividends recM from all other sources, 

Gross cash income, 



$1,083,045 48 

11.163 33 

96.164 98 



. $1,190,373 79 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, . 

Net cash paid for fire losses, . . . - 

(."ash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, . 

for incidentals, 



$712,018 54 
23,091 43 



$688,927 11 

100,000 00 

172,534 09 

53,426 25 

26,493 99 

152,652 42 



Gross cash expenditures, 



. $1,191,033 86 



1882.] 



INS. COS. OF OTHER STATES. 



223 



Fire risks outstanding Dec. 81, 1881, 
Fire risks written during 1882, 



Risks and Premiums. 

Premiums. 

$120,226,102 00 $1,219,591 17 
126,484,515 00 1,223,233 11 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$246,710,617 00 $2,442,824 28 
115,592,098 00 1,076,093 22 



$131,118,519 00 $1,366,731 06 
. 1,850,058 00 13,403 43 



129,268,461 00 $1,353,327 63 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$12,868,097 65 
6,762,772 29 
1,20.) ,500 00 
100,000 00 
730,172 52 
182,150 00 



HARTFORD FIRE INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated May, 1810. Commenced business August, 1810.] 

Paid-it Capital, $1,250,000. 

George L. Ciiase, President. C B. Whiting, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

Hartford National Bank, Hartford, . . $51,100 00 §89,425 00 

Phoenix National Bank, Hartford, . . 46,700 00 81,258 00 

Connecticut River Bank, Hartford, , . 5,000 00 5,200 00 

American National Bank, Hartford, . . 15,000 00 21,900 00 

Charter Oak National Bank, Hartford, . 20,000 00 29,000 00 

Farmers 1 and Mechanics' N. B'k, Hartford, 18,200 00 26,208 00 

Mercantile National Bank, Hartford, . . 15,000 00 19,800 00 

First National Bank, Hartford, . . . - 17,200 00 21,500 00 

.Etna National Bank, Hartford, . . . 31,500 00 42,525 00 

City National Bank, Hartford, . . . 20,800 00 19,760 00 

Conn. Trust and S. Deposit Co., Hartford, . 23,000 00 27,600 00 

American Ex. National Bank, New York, . 20,000 00 27,200 00 

National Bank of Commerce, New York, . 10,000 00 15,200 00 

Importers 1 and Traders' N. B'k, New York, 30,000 00 75,000 00 

Bank of America, New York, . . . 30,000 00 46,500 00 

Manhattan Company Bank, New York, . 10,000 00 15,000 00 

Merchants 1 National Bank, New York, . 16,700 00 22,545 00 

Union National Bank, New York, . . 8,000 00 12,800 00 

Bank of North America, New York, . . 7,000 00 7,350 00 

Metropolitan National Bank, New York, . 22,500 00 38,250 00 

Blackstone National Bank, Boston, . . 10,600 00 11,448 00 



224 FIRE, MARINE, AND FIRK-MARIXE [Dec. 31, 



National Bank of Commerce, Boston, 

Second National Bank, Boston, . 

Hide and Leather National Bank, Boston, 

Atlantic National Bank, Boston, . 

First National Bank, Boston, 

Boylston National Bank, Boston, 

Merchants 1 B'k (in liquidation), St. Louis 

Union National Bank, Albany, 

First National Bank, Albany, 

Montreal Bank, Montreal, . 

Ontario Bank, Bowmansville, 

Connecticut River Company, 

Connecticut River Railroad Company, 

N. York, N. Haven, and Hartford R. Co., 

Chicago, Rock Island, and Pacific R. R. Co. 

Chicago and N. Western R. R. Co., pref., 

Chicago, Burl., and Quincy R. R. Co., 

Chicago, Milwaukee & St. Paul, R. R. Co., 

Union Pacific Railroad Company, 

United States bonds, .... 

Tennessee State bonds, 

Alabama State bonds, .... 

South Carolina consols, 

Toledo, O., Water Works bonds, . 

Harlem River and P. Chester R. R. bonds, 

New Brunswick, N. J., city bonds, 

Pawtucket, R. I., town bonds, . 

Dubuque, Iowa, city bonds, . 

Des Moines, Iowa, city bonds, 

Chicago and Western Ind. R. R. Co. bonds 

Minnesota Union Railway bonds, 

Minnesota state bonds, 



Tar value. 

$3,200 00 

10,900 00 

2,-100 00 

3,900 00 

10,000 00 

12,500 00 

10,000 00 

6,200 00 

5,000 00 

30,000 00 

6,500 00 

12,000 00 

2,000 00 

70,000 00 

20,000 00 

40,000 00 

33,000 00 

20,000 00 

20,000 00 

200,000 00 

33,000 00 

10,000 00 

14,605 00 

5,000 00 

50,000 00 

45,000 00 

75,000 00 

25,000 00 

50,000 00 

50,000 00 

50,000 00 

3,000 00 



Market value. 

$5,8)8 00 

1-5,786 00 

2.C40 00 

5,850 00 

20,000 00 

14,875 00 

1,900 00 

7,750 00 

8,500 00 

59,250 00 

7,166 25 

3,000 00 

3,300 00 

126,000 00 

25,800 00 

58,400 00 

42.240 00 

21.600 00 

20,600 00 

226,000 00 

15,840 00 

8,600 00 

15,481 30 

6,000 00 

65,000 00 

49,500 00 

90,000 00 

27,500 00 

57,500 00 

55,000 00 

53,000 00 

3,000 00 



$1,356,505 00 $1,777,355 55 



Securities held as collateral for cash loans : — 



700 shares Western Union Telegraph Co., . 
400 M Central Pacific Railroad, . 
Texas Pacific and Rio Grande R. R. bonds, 
Wabash, St. Louis, and Pacific R. R. bonds, 
Texas and Pacific Land Grant bonds, . 
50 shares Travelers' 1 Insurance! Company, . 
80 " The PJ and F: Corbin Corp'n, 
Little Bock, Miss Riv. «fc Texas R. R. b\ls, 
600 shares N. Y., L. Eric, and West. R. R , . 
650 " N. Y. ( lentral and II. R. R. R., . 
33 " JEtna Insurance Co., Hartford, . 
Wabash Railroad bonds, .... 



Market value. Loaned thereon. 

$56,700 001 
34,400 00 
12,300 00 
51,350 00 
59,850 00 J 
12,600 00 

3,600 00 
20,900 00 
22,800 00 
81,250 00 

7,755 00 
63,000 00 



} $178,662 50 

26,000 00 

100,000 00 
50,000 00 



1882.] 



INS. COS. OF OTHER STATES. 



225 



100 shares N. Y. Central and II. R. R. R., . 
Wabash, St. Louis, and Pacific 11. R. b\ls, . 
344 shares Citizens 1 Railway Co., St. Louis, 



Tar value. 

812,500 00 
39,500 00 
40,592 00 



Market value. 

\ $45,000 00 
33,000 00 



$519,097 00 $432,662 50 



Summary of Assets Dec. 31, 1882. 
Cash value of unencumbered real estate, . $654,675 60 
Loans on mortgage of real estate (first liens*), 963,666 67 



Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, 

deposited in various banks, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Rents due and accrued, 
Non-resident tax due, .... 

Gross assets, 

Deduct special deposits in other States, 



Balance, 



20,445 13 

1,777,355 55 

432,662 50 

1,414 26 

167,336 35 

5,476 28 

295,624 99 

3,844 83 

14,778 40 



$4,337,280 56 
254,525 75 

$4,082,754 81 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, . 
disputed or resisted, . 

Unearned premiums on outstanding risks, 

Commissions and brokerage, 

Gross liabilities, except capital, 
Deduct liabilities on special deposits, . 

Surplus as regards policy-holders 
Paid-up capital, 



$59,540 99 
159,499 88 

21,503 30 
1,463,495 62 

25,000 00 



$1,729,039 79 
96,195 06 



Surplus over capital, 

Income. 

Cash received for fire premiums, . . $2,239,989 52 

Deduct reinsurance and return premiums, . 206,755 28 

Net cash received for fire premiums, . . 

Interest received for bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Gross cash income, 



1,632,844 73 

$2,449,910 08 

1,250,000 00 

$1,199,910 08 



$2,033,234 24 

73,642 05 

102,002 13 

28,627 74 

$2,237,506 16 



* Value of lands mortgaged $1,000,000 00 

Value of buildings thereon 1,328,000 00 

Amount of insurance held as collateral, . 794,000 00 



226 FIRE, MAKINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 
Cash paid for fire losses, . . . .$1,154,48142 
Deduct salvage and reinsurance, . . . 21,897 10 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

salaries of officers and employes, . 

State and local taxes, 

for incidentals, 



Gross cash expenditures, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, . 
written during 1882, . 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force,* . 



$225,247,984 00 
198,861,902 00 

$424,109,886 00 
182,176,973 00 



$241,932,913 00 
. 4,014,339 00 



$1,132,584 32 
250,000 00 
296,984 07 
136,369 93 
33,274 93 
179,139 79 

$2,028,353 04 



Premiums. 

£2,549,409 83 
2,239,484 54 

(4,788,894 37 
1,931,306 31 

12,857,588 06 
60,021 67 



$237,918,574 00 $2,797,566 39 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$41,077,061 38 

25,809,914 14 

4,563,100 00 

250,000 00 

1,235,529 41 

198,700 00 



HOME INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April, 1853. Commenced business April 13, 1853.] 

Paid-up Capital, $3,000,000. 

Charles J. Martin, President. John II . Washburn, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $4,021,000 00 $1,308,710 00 

Mississippi state bonds, .... 20,000 00 20,000 00 
Delaware and Hudson Canal Co. bonds, . 100,000 00 116,000 00 
(lev., Col., ('inn., and Ind. Railroad bonds, 100,000 00 121,000 00 
X. Y, Lake Erie, and Western II. R. bonds, 200,000 00 214,000 00 



1882.] 



INS. COS. OF OTHER STATES, 



227 



Dunk 


irk, 


1000 


shar 


100 


it 


200 


ii 


80 


it 


125 


ii 


225 


ii 


200 


ii 


300 


ct 


160 


11 


200 


II 


102 


II 


150 


II 


200 


II 


200 


II 



Warren, and Pittsburg R.R. bonds 
esN. T. Central and Ii. R R II, 

Hanover National Bank, . 
American Exch'ge Nat'l Bank 
Fourth National Bank, 
St. Nicholas National Bank, 
Metropolitan National Bank, 
Mercantile National Bank, 
Merchants 1 Exch'ge Nat'l Bank 
Chatham National Bank, . 
Nat'l Bank of the Republic, 
Nat'l Bank of Commerce, 
Nat'l Butch, and Drov. Bank, 
Bank of America, 
Manhattan Company, 



Tar value. 

$30,000 00 

100,000 00 

10,000 00 

20,000 00 

8,000 00 
12,500 00 
22,500 00 
20,000 00 
15,000 00 

4,000 00 
20,000 00 
10,000 00 

3,750 00 
20,000 00 
10,000 00 



Market value. 

$33,300 00 

126,500 00 

13,500 00 

26,000 00 

9,600 00 
14,875 00 
37,575 00 
24,000 00 
13,950 00 

5,000 00 
27,200 00 
14,800 00 

4,687 50 
31,000 00 
14,900 00 



t ,746,750 00 $5,176,597 50 



Securities held as collateral for cash loans : — 



10 shares St. Nicholas National Bank, 
227 M Union Trust Company, 

10 " St. Nicholas National Bank, 
United States bonds, .... 
13 shares National Bank of Commerce, 
150 " Garfield National Bank, . 
100 " N. Y. Central and H. R. R. R. 
1,100 " Chatham National Bank, . 
130 " Manhattan Gas Light Co., 
300 " Brooklyn City Railroad, . 
125 " 42nd St. & Grand St. Ferry R.R 
357 " Nat'l Bank of the Republic, 
457 " Long Island Bank, . 
100 " Metropolitan National Bank, 
100 « N. Y. Central and H. R R. R. 
20 " St. Nicholas National Bank, 
Scotland County (Mo.) bonds, 
Pittsburg, Ft. W and Chicago R. R. bonds 
Houston and Texas Central R. R. bonds, 
Atchison, Col. and Pacific R. R bonds, 
Pittsburg, Bradford and Buff. R.R. bonds, 
3 shares New York Nat'l Exchange Bank, 
8 " Morris and Essex Railroad, . 
Bayonne City bonds, .... 
25 shares Pullman Palace Car Company, 
10 " Wells, Fargo & Company, . 
Jersey City bond, 



Market value. 

$1,190 00 

65,830 00 

1,190 00 

4,178 12 

1,924 00 

15,000 00 

12,650 00 

34,375 00 

13,650 00 

6,300 00 

28,125 00 

48,552 00 

23,992 50 

16,700 00 

12,650 00 

2,380 00 

3,000 00, 

1,390 00 

1,107 50 

61,380 00 

78,000 00 

300 00 

488 00 

10,000 00 

3,068 75 

1,240 00 

1,020 00 



} 



Loaned thereon. 

$400 00 
23,500 00 

3,100 00 
1,200 00 

10,000 00 
7,000 00 

27,500 00 

20,000 00 

40,500 00 
20,000 00 
10,000 00 

15,000 00 



} 



1,000 00 


600 00 


50,000 00 


65,000 00 


250 00 


150 00 


8,000 00 


3,250 00 


900 00 



2-2H FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Western Union Telegraph Co. bonds, . 
E. Tenn., V;i. and Georgia, R. R. bonds, 
St. Louis. Alton, and Terre Haute R.R. bonds 
Northern Pacific R. R. bonds, 
Canada Southern Railroad bonds, 
United States bonds, .... 
Mo., Kansas and Texas R. R. bonds, . 
Central R. R. of N. J. bonds, 
Delaware and Hudson R. R Co. bonds, 
Houston and. Texas Central R. R. bonds, 
South Carolina state bonds, . 
Cairo and Fulton R. R. Co. bonds, 
Morris and Essex R. R. Co. bonds, 
N. Y., Lake Erie and Western R.R. bonds, 
50 shares Germania Bank, . 
30 " Pitts., Ft. Wayne and Chic. R. R, 
St. Louis and San Francisco R. R. bonds, 
Bradford, Eldred and Cuba R. R. bonds, 
25 shares Lake Shore & Mich. So. R. R., 
25 " N. Y. Central and H. R R. R., 
24 " Dela., Lacka. and Western R. R 
30 " American Express Company, 
Chesapeake and Ohio Railroad bonds, 
South Carolina Railroad bonds, . 
New Orleans Pacific R. R. bonds, 
St. Louis and Iron Mountain R. R. bonds, 
10 shares Michigan Central R. R., 
15 " Louisville and Nashville R. R., 
30 " American Express Company, 
South Carolina state bonds, . 
20 shares Union Pacific R. R., . 
40 " Second Avenue R. R., 
100 " St. Louis and San F. R. R., . 
100 " Delaware and Hudson Canal Co 
40 " Corn Exchange Bank, 
Norfolk and Petersburgh R. R. bonds, . 
Union and Logansport R. R. bonds, 
Columbus and Ind. Central R. R. bonds, 
Chicago city water bond, 
20 shares Merchants' Exchange Nat 1 l Bank, 
Fondo, Johnstown and G. R. R. bonds, 



Market value. 


Loaned thereon. 


$19,592 50 > 




16,400 00 




5, 2,200 00 




5,250 00 




4,912 50 




5,718 75 




2,775 0) 




15,400 00 




2,400 00 




7,700 00 




2,000 00 




1,100 00 




2,440 00 
6,930 00 


. $100,000 00 


5,000 00 




3,960 00 




1,940 00 




2,700 00 




2,821 87 


1 


3,162 50 




1,536 00 




2,730 00 




967 50 




1,880 00 




887 50 




2,227 50 , 




978 75 


1 


795 00 




2,730 00 




3,000 00 
2,045 00 


[ 30,000 00 


7,120 00 




9,900 00 




>., 10,800 00 , 


) 

1 


6,800 00 


1,120 00 


} 7,700 00 


1,150 00 


1,160 00 . 


) 


1,190 00 


725 00 


c, 930 00 


600 00 


63,250 00 


45,000 00 



$687,276 24 $491,375 00 



1882.] 



INS. COS. OF OTHER STATES. 



229 



Summary of Assets Dec. 31, 1882. 



I >h value of unencumbered real estate, . 
Loans on mort. of real estate (first liens *), 
Interest due or accrued theron, . 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule 
Cash deposited in various banks, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Notes taken for fire risks, 

Gross assets, 

Deduct special deposits in other States, 



Balance, 



$ 1 3,784 27 

1,172,737 44 

28,570 99 

5,176,597 50 

491,375 00 

178,463 32 

13,824 11 

92,244 42 

10,892 02 



$7,208,489 07 
192,175 00 

$7,016,314 07 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, 

Less reinsurance, ..... 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

State and local taxes, .... 

Gross liabilities, except capital, . 
Deduct liabilities on special deposits, . 



Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 



$72,030 61 

214,418 69 

24,377 97 

$310,827 27 
3,231 26 

$307,596 01 

2,116,832 00 

10,000 00 

52,434,428 01 
102,694 96 



- 2,331,733 05 

. $4,684,581 02 
. 3,000,000 00 

. $1,684,581 02 



• Income. 

Cash received for fire premiums, . . $2,944,639 83 

Deduct reinsurance and return premiums, . 198,976 96 

Net cash received for fire premiums, . . $2,745,662 87 

Interest received on bonds and mortgages, . . . 87,880 93 

Interest and dividends received from all other sources, . 253,273 42 



Gross cash income, 



. $3,086,817 22 



* Value of lands mortgaged, .... $1,535,15000 

Value of buildings thereon 1,251,650 00 

Amount of insurance held as collateral, . 955,250 00 



230 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Expenditures. 

Casli paid for fire losses, .... $1,587,884 03 
Deduct salvage and reinsurance, . . . 18,372 83 

Net cash paid for fire losses, . . $1,569,511 20 

Cash dividends paid, 300,000 00 

Cash paid for commissions and brokerage, . . . 486,765 04 

salaries of officers and employes, . . . 274,849 49 

State and local taxes, 55,888 88 

incidentals, 224,215 16 



Gross cash expenditures, $2,911,229 77 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1881, . $354,656,766 00 $3,779,281 00 
Fire risks written during 1882, . . 285,409,830 00 2,966,150 51 



Total $640,066,596 00 $6,745,431 51 

Deduct risks expired and terminated, . 266,827,589 00 2,666,201 91 



In force at end of year, . . . $373,239,007 00 $4,079,229 60 
Deduct amount reinsured, . . . 897,747 00 10,017 60 



Net amount in force, . , . $372,341,260 00 $4,069,212 00 

Miscellaneous. 

Premiums received from organization of company, . $56,132,467 75 
Losses paid from organization of company, . . . 34,163,704 54 
Cash dividends declared from organization of company, . 5,815,000 00 
Dividends declared during the year (10 per cent.), . . 300,000 00 

Fire losses incurred during the year, 1,617,420 64 

Company's stock owned by directors, .... 290,100 00 



HOWARD INSURANCE COxMPANY, NEW YORK, N. Y. 

[Incorporated March 9, 1825. Commenced business April 19, 1825.] 

Paid-up Capital, $500,000. 

Henry A. Oakley, President. Charles A. Hull, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Tar value. Market value. 

United States bonds, $400,000 00 $508,262 00 

New York city and county bonds, . . 15,000 00 16,500 00 

Delaware and Hudson Canal Co. bonds, . 30,000 00 33,100 00 

United New Jersey R.R. & Canal Co. bonds, 4,000 00 4,800 00 

Buffalo, B., and Pittsburg Railroad bonds, . 11,000 00 12,320 00 

Lake Erie and Western Railroad bonds, . 3,000 00 3,300 00 

Kalamazoo and South Haven R.R bonds, . 6,000 00 7,200 00 

National Bank of Commerce (N. Y.) stock, 2,800 00 4,256 00 

Metropolitan National Bank (N. Y.) stock, . 7,500 00 12,600 00 



1882.] 



INS. COS. OF OTHER STATES. 



231 



American Ex. Nat'l Bank (N.Y.) stock, 
Merchants 1 Ex. Natl Bank (N.Y.) stock, 
Bhnk of the Manhattan Co. (N.Y.) stock, 
l'h.vnix National Bank (N.Y.) stock, . 
Manhattan Gas Light Company stock, 
New York Gas Light Company stock, 



Par value. 

$16,000 00 
650 00 
1,500 00 
2,800 00 
2,500 00 
5,000 00 



Market value. 

$21,080 00 
845 00 
2,310 00 
2,940 00 
5,500 00 
5,850 00 



$507,750 00 $640,863 00 



Summary of Assets Dec. 31, 1882. 
Cash value of unencumbered real estate, . $125,000 00 
Loans on mortgage of real estate (first liens*), 21,500 00 
Interest due or accrued thereon, . . . 258 00 

Stocks, bonds, etc., as per schedule, . . 640,863 00 
Cash deposited in bank, .... 5,887 52 

Interest due and accrued, .... 1,607 50 

Premiums in course of collection (gross), . 31,330 53 

Non-resident tax due, 1,050 14 

Rents due and accrued, .... 479 17 
Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... $50,829 52 
claimed and reported, . . . 5,500 00 

disputed or resisted, .... 6,600 00 

Total amount of losses, . . . $62,929 52 
Less reinsurance 10,155 99 

Net amount of unpaid losses, . . . $52,773 53 

Unearned premiums on outstanding risks, . 207,256 33 

Commissions and brokerage, . . . 1,579 18 

Reinsurance due, 2,133 70 

Gross liabilities except capital, . . 

Surplus as regards policy-holders, .... 
Paid-up capital, 



Surplus over capital, 

Income. 

Cash received for fire premiums, . . $421,959 72 

Deduct reinsurance and return premiums, . 64,460 46 

Net cash received for fire premiums, . . 

Net cash received for marine and inland prem's, 
Interest received on bonds and mortgages, .... 



$827,975 86 



263,742 74 



$564,233 12 
500,000 00 

$64,233 12 



$357,499 26 

650 00 

1,292 00 



* Value of lands mortgaged $40,000 00 

Value of buildings thereon 43,800 00 

Amount of insurance held as collateral 15,000 00 



232 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest and dividends received from all other sources, 

Income from rents, 

Income from all other sources, 

Gross cash income, 



,715 69 

3,787 50 

4,947 34 

$398,891 79 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash dividends paid, 

Interest on borrowed money, 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, 

for State and local taxes, 

for incidentals, .... 



$280,357 30 
12,277 95 




Gross cash expenditures, . 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 
Marine risks written during 1882, 



$36,049,995 00 
. 43,400,307 00 

$79,450,302 00' 
. 38,487,988 00 

$40,962,314 00 
. 2,109,002 00 



$268,079 35 
25,000 00 
877 69 
51,330 06 
39,975 12 
12,427 74 
33,254 75 

$430,944 71 



Premiums. 

$366,223 16 
420,668 79 

$786,891 95 
364,183 48 

$422,708 47 
21,422 58 



$38,853,312 00 $401,285 89 



$10,000 00 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (5 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$650 00 



$7,553,110 50 

4,987,402 16 

2,155,875 00 

25,000 00 

281,370 60 

65,750 00 



1882.] 



INS. COS. OF OTHER STATES. 



233 



PRESIDENT AND DIRECTORS OF THE INSURANCE COM- 
PANY OF NORTH AMERICA, PHILADELPHIA, PENN. 

[Incorporated April 14, 1794. Commenced business December, 1792.] 

Paid-up Capital, $3,000,000. 

Charles Platt, President, Greville E. Fryer, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 

Baltimore city bonds, . 

Pennsylvania state bonds, 

New Jersey state bonds, 

Connecticut state bonds, 

Cincinnati city bonds, . 

Indianapolis city bonds, 

Hartford city bonds, 

Rochester city bonds, . 

Fall River city bonds, . 

Toledo city bonds, 

Harrisburg city bonds, 

Providence city bonds, 

Newark city bonds, 

Cleveland city bonds, . 

Boston city bonds, 

Williamsport city bonds, 

Dayton city bonds, 

Burlington city bonds, . 

Pennsylvania Railroad bonds, 

Delaware Railroad bonds, . 

Chesapeake & Delaware Canal Co. bonds, 

North Pennsylvania Railroad bonds, . 

Belvidere & Delaware Railroad bonds, 

Philadelphia & Erie Railroad bonds, . 

Belt Railroad & Stock-yard Co. bonds, 

Delaware Division Canal Co. bonds, . 

Lehigh Coal & Navigation Co. bonds, . 

Lehigh Valley Railroad bonds, . 

Pennsylvania & N. Y. Canal Co. bonds, 

Philadelphia & Reading R.R. bonds, . 

Chicago & W. Indiana R.R. bonds, 

Easton & Amboy Railroad bonds, 

Louisville & Nashville Railroad bonds, 

Bergen County Railroad bonds, . 

N. Y. & Pacific Car Trust bonds, 

Car Trust of New York bonds, . 

Phila., WiL, & Baltimore R.R. bonds, 

N. Y. & Long Branch R.R. bonds, 



Pat value. 

$137,000 00 

200,000 00 

485,000 00 

47,000 00 

22,000 00 

58,000 00 

30,000 00 

45,000 00 

25,000 00 

30,000 00 

21,000 00 

15,000 00 

20,000 00 

20,000 00 

30,000 00 

200,000 00 

3,000 00 

11,000 00 

12,000 00 

530,000 00 

25,000 00 

37,000 00 

35,000' 00 

50,000 00 

150,000 00 

•50,000 00 

15,000 00 

5,000 00 

125,000 00 

30,000 00 

355,000 00 

150,000 00 

63,000 00 

50,000 00 

50,000 00 

120,000 00 

94,000 00 

139,000 00 

150,000 00 



Market value. 

$141,110 00 

220,000 00 

576,800 00 

56,400 00 

22,660 00 

75,400 00 

37,500 00 

56,250 00 

31,500 00 

31,500 00 

26,250 00 

17,550 00 

26,250 00 

23,400 00 

37,500 00 

250,000 00 

2,850 00 

13,860 00 

13,200 00 

567,500 00 

28,750 00 

32,560 00 

37,750 00 

60,000 00 

153,000 00 

52,500 00 

14,700 00 

5,750 00 

153,250 00 

36,900 00 

426,500 00 

165,000 00 

66,780 00 

44,500 00 

55,000 00 

120,000 00 

94,000 00 

136,850 00 

153,000 00 



234 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Delaware &; Raritan Canal Co. bonds, 
William Cramp & Sons' dry dock loan, 
Steam-tug " North America," 
100 shares Philadelphia National Bank, 
228 " Chesapeake & Dela. Canal Co., 
50 " Sandy Hook Quarantine and City 
Island Telegraph Co., 
Mutual Insurance scrip, 
Baltimore Central R.R. bonds, 
Oil Creek R.R. bonds, .... 
Dela. & Chesapeake R.R. bonds, . 



l'ar value. 

§11,000 00 
25,000 00 
73,543 05 
10,000 00 
11,400 00 

1,000 00 
35,845 00 

100,000 00 
50,000 00 

100,000 00 



Market value. 

$12,650 00 

25,000 00 

73,543 05 

21,500 00 

684 00 

1,000 00 

35,845 00 

102,000 00 

51,000 00 

88,000 00 



L.051,788 05 $4,475,492 05 



Securities held as collateral for cash loans : — 



2 shares Ins Co. State of Penna., 
25 " Guarantee Trust Co., . 
Catawissa R.R. bonds, .... 

25 shares Pennsylvania R.R., 
2 " Penna. Co. Ins. on Lives, . 
1 « United Co. N. J , 
224 " Pennsylvania R.R., 
Phila., Wil. & Baltimore R.R. certificates, 
Car Trust of N. Y. bonds, . 
New Jersey Car Trust bonds, 
Louisville & Nashville Car Trust bonds, 
Railroad Equipment Co. bonds, . 
Norfolk & Western R.R. bonds, . 
65 shares Ins. Co. of No. America, 
13 " Germania Fire Ins. Co., 

5 " Pennsylvania Fire Ins. Co., . 

4 " United Cos. of New Jersey, . 

9 " Pennsylvania Co. Ins. on Lives, 
Cincinnati city bonds, .... 

18 shares Pennsylvania Co. Ins. on Lives 
1300 •• Phila and Reading Railroad, 

600 " Northern Pacific Railroad, 

600 " Northern Pacific Railroad, 

200 " Lehigh Valley Railroad, . 

200 " Northern Central Railroad, 

300 " Lehigh Navigation Co., . 

100 " Northern Pacific Railroad, 
Huntingdon and B. Top. Railroads bonds, 
Phila. and Beading Railroad bonds, 
100 shares Lehigh Navigation Company, 
500 " Pennsylvania Railroad, 
300 " Northern Pacific Railroad, . 



Market value. 

$660 00 
4,075 00 \ 
3,510 00/ 
1,485 00 ^ 
630 00 I 
188 00 J 
13,216 00 
142,880 00 \ 
9,000 00 I 
22,000 00 J 
10,000 00^ 
9,000 00 I 
11,000 00 J 
2,047 50 ^ 
2,080 00 
. 850 00 
756 00 
2,835 00 
1,000 00 J 
5,670 00 
33,800 00 
28,200 00 
39,300 00 
12,600 00 ' 
11,000 00 
11,400 00 [ 
8,400 00 
15,300 00 j 
3,600 00 
3,800 00^ 
29,500 00 I 
25,200 CO J 



Loaned thereon. 

$350 00 
4,450 00 



2,000 

11,300 00 

160,000 00 

25,000 00 

6,000 00 



} 



5,000 00 
50,000 00 

30,000 00 

50,000 00 

3,000 00 
50,000 00 



1882.] 



INS. COS. OF OTHER STATES. 



235 



50 shares Insurance Co North. America, 
200 " Pennsylvania Railroad, 
400 " Lehigh Navigation Company, 
Huntingdon and Bd. Top. Railroad bonds, 
Phila. and Reading Railroad bonds, 
Texas and Pacific Railroad bonds, 
Huntingdon and Bd. Top. Railroad bonds, 
400 shares Lehigh Navigation Company, 
165 " Pennsylvania Railroad, 
300 " Northern Pacific, 
Susquehanna Car Trust bonds, . 
Buffalo, N. Y. and Phila. Railroad bonds, 
Hock. Valley Car Trust bonds, . 
300 shares Lehigh Navigation Company, 
100 " Pennsylvania Railroad, 
200 " Norfolk and Western Railroad, 
Hock. Valley Car Trust Co. bonds, . 
1,000 shares Lehigh Navigation Company, 
No. Pennsylvania Railroad bond, 
175 shares Andover Iron Company, 
100 " Dela. and Bound Brook Railroad 
225 " Insurance Co. North America, 

64 " Cambria Iron Company, 
Chicago and W. Indiana Railroad bonds, 
Phila., Wil. and Baltimore Railroad bonds 
Norfolk and Western Railroad bonds, 
Col. C. and I. C. Railroad bonds, 
Huntingdon and Bd. Top. Railroad bonds, 
7 shares Miner Hill Railroad, 
13 " Phila. & G. & Morristown R.R 
40 " Washington G. L. Company, 
32 " No. Pennsylvania Railroad, 
42 " Insurance Co. North America 
1,500 " Lehigh Valley Railroad, . 

400 " Green and Coates Pass. R.R., 
Phila., Wil. and Baltimore Railroad bonds 
Phila. and R. Coal and Iron Co. bonds, 
1,000 shares No. Pennsylvania Railroad, 

300 " Pennsylvania Railroad, . 

200 " Lehigh Valley Railroad, . 
1,200 " Lehigh Navigation Company, 

898 " Ins. Co. No. America, $12,142.07, 



Market value. 

$1,575 00 ^ 

11,800 00 j 

15,200 00 [ 

15,300 00 | 

18,280 00 j 

2,000 OO^i 

9,000 00 j 

15,200 00 > 

9,735 00 ] 

25,500 00 j 

5,000 00^ 

9,500 00 I 

15,000 00 J 

11,400 00^ 



Loaned thereon. 



5,900 00 



9,600 00 ( 
3,000 00 J 

38,000 00 ^ 

13,200 00/ 

23,525 00 

12,500 00 ^ 

7,087 00 

7,360 00 

6,300 00 

7,480 00 

24,250 00 J 

1,200 00 ^ 

6,300 00 

434 00 

1,404 00 

1,600 00 

2,048 00 J 

1,323 00 

94,500 00 

36,800 00 

110,900 00 

60,000 00 

64,000 00 

17,900 00 

12,600 00 

45,600 00 



$50,000 00 



50,000 00 



25,000 00 



} 25,000 00 



44,000 00 
17,500 00 

50,000 00 



y 10,000 oo 



75,000 00 

25,000 00 
150,000 00 

55,000 00 
60,000 00 



$1,244,283 50 $1,033,600 00 

Summary" of Assets Dec. 31, 1882. 
Cash value of unencumbered real estate, . $357,683 86 
Loans on mort. of real estate (first liens*), 1,716,766 67 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$3,653,350 00 
1,235,916 00 



236 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash deposited Jn bank, .... 
Premiums in course of collection (gross), . 
Notes taken for marine and inland risks, . 

Gross assets, 

Deduct special deposits in other States, 



$26,744 15 
4,475,492 05 
1,033,600 00 
549,091 31 
534,339 20 
175,193 75 



$8,868,910 99 
36,050 00 



Balance, $8,832,860 99 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 

Bills payable, 

Reinsurance premiums (marine), 

Gross liabilities, except capital, . 
Deduct liabilities on special deposits, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$20,600 00 

418,100 00 

10,600 00 

1,713,590 70 

443,190 93 

3,724 26 

20,468 56 

$,630,274 45 

19,438 00 



Surplus over capital, 

Income. 

Cash received for fire premiums, . . $1,898,113 95 

Deduct reinsurance and return premiums, . 184,354 62 

Net cash received for fire premiums, . . 

Cash received for marine and inl'd prem's, . $2,033,046 27 
Deduct re-insurance and return premiums, . 383,587 41 

Net cash rec'd for marine and inl'd prem 1 s, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Deposits received for perpetual fire risks, . $36,666 50 

Gross cash income, 



2,610,836 45 

^6,222,024 54 

3,000,000 00 

53,222,024 54 



Expenditures 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 

Cash dividends p;iid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employ6s, . 



51,713,759 33 

1,649,458 86 

96,155 29 

275,919 19 

$,735,292 67 



$1,003,597 97 
27,296 58 

$1,758,332 19 
366,822 32 



$976,301 39 



1,39 1,509 87 
500,000 00 
483,522 81 
140,000 00 



L882.] INS. COS. OF OTHER STATES. 237 

Cash paid for State and local taxes $103,436 95 

for incidentals, 205,904 17 

for interest on new capital and surplus, . . 32,161 86 

Deposits returned on perpetual lire risks, . . $9,197 84 

Gross cash expenditures, $3,832,837 05 

Risks and Premiums. 

rremiums. 

Fire risks outstanding Dec. 31, 1881, . $211,043,128 00 $2,447,043 34 
Fire risks written during 1882, . . . 182,208,497 00 2,042,200 39 



Total, $393,251,625 00 $4,489,243 73 

Deduct risks expired and terminated, . 161,687,395 00 1,726,227 10 



In force at end of year, . . . $231,564,230 00 $2,763,016 63 

Marine risks outstanding Dec. 31, 1881, $28,009,048 00 $267,402 48 

Marine risks written during 1882, . .251,764,494 00 2,007,016 24 

Total, $279,773,542 00 $2,274,418 72 

Deduct risks expired and terminated, . 247,986,845 00 2,014,332 02 



In force at end of year, . . . .$31,786,697 00 $260,086 70 
Perpetual risks in force, .... 16,926,929 00 460,516 76 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year, .... 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$64,101,352 89 

46,744,768 11 

7,203,934 25 

500,000 00 

980,000 00 

1,680,000 00 

354,060 00 



THE INSURANCE COMPANY OF THE STATE OF PENN- 
SYLVANIA, PHILADELPHIA, PENN. 

[Incorporated April 18, 1794. Commenced business Nov. 5, 1794.] 

Paid-up Capital, $200,000. 

Henry D. Sherrerd, President. Jos. H. Hollinshead, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

20 shares Philadelphia Bank, . . . $2,000 00 $4,200.00 

5 " Susq. and York Turnpike Co., . 500 00 500 00 

10 " Easton and W. Turnpike Co., . 250 00 50 00 

284 " Lehigh Valley Railroad, . . 14,200 00 17,892 00 

20 " Phila. and So. Mail S.S. Co., . 2,500 00 20 00 

Schuylkill Navigation Company bonds, . 3,000 00 2,640 00 



238 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Lehigh Coal and Navigation Co. bonds, 
Philadelphia city bonds, 
Harrisburg, P., Mt. J., and L. R.R. bonds, 
Camden and Ainboy Railroad and Delaware 

and Raritan Canal and T. Co. bonds, 
North Pennsylvania Railroad bonds, . 
West Jersey Railroad Company bonds, 
American Steamship Co. (Phila.) bonds, 
Delaware Land Company bonds, 
United States bonds, .... 
13 shares Car Trust of New York, 
Philadelphia and Reading R.R. certificate, 
New York and Pacific Car Trust bonds, 
Chicago and W. Indiana Railroad bonds, 
Phila., Wil. and Baltimore R.R. bonds, 
Mutual Insurance Company's scrip, 



100 shares Pennsylvania R.R. 
103 " Camden and Atlantic Railroad, 
Pennsylvania Salt Manufacturing Co. bonds 
398 shares Bethlehem Iron Company, . 
Saucon Iron Company bonds, 
1,500 shares Lehigh Valley R.R., . 
Phila., Wil. and Baltimore R R. bonds, 
Car Trust of New York bonds, . 
Musconetcong Iron Works bonds, 
Personal note (on demand), 



Summary of Assets Dec. 

Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule 
( ush in the office of the company, 

deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, 
Perpetual reinsurance, .... 
Gross assets, . 



Tar value. 

$10,000 00 
30,000 00 

15,000 00 

5,000 00 
10,000 00 
30,000 00 
10,000 00 
10,000 00 
10,000 00 
13,000 00 
10,100 00 
14,000 00 
15,000 00 
20,000 00 
159 50 



Market value. 

$10,300 00 
37,500 00 
15,150 00 

5,600 00 
10,600 00 
30,000 00 
10,600 00 
12,000 00 
11,300 00 
13,000 00 
10,100 00 
14,000 00 
16,500 00 
18,700 00 
159 50 



§224,709 50 $240,811 50 



Securities held as collateral for cash loans : — 



Market value. 

$5,000 00 
6,180 00 
10,450 00 
39,800 00 
13,300 00 
94,500 00 
68,255 00 
7,000 00 
36,000 00 



> 



Loaned thereon. 
$4,000 00 



10,000 00 
27,000 00 
11,000 00 
75,000 00 
60,000 00 
6,000 00 
25,000 00 
12,000 00 



$280,485 00 $230,000 00 

31, 1882. 

$68,800 00 

112,850 00 

2,820 50 

240,811 50 

230,000 00 

904 58 

13,010 68 

3,450 00 

32,665 21 

10,901 76 

535 48 

1,459 00 

$718,208 71 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, . 



$128,900 00 

114,100 00 

89,300 00 



1882.] INS. COS. OF OTHER STATES. 

Liabilities. 



239 



$66,046 00 
128,499 35 

80,255 38 

270 00 

3,17:; 86 

1,136 65 



Losses anpaid, 

Unearned premiums on outstanding risks, 
Reclaim able on perpetual fire policies, 
Dividends to stockholders unpaid, 
Commissions and brokerage, 

Hills payable, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 

Income. 
Cash received for fire premiums, . . $170,659 27 

Deduct reinsurance and return premiums, . 21,366 90 

Net cash received for fire premiums, . . 

Cash received for marine and inl'd prem's, $184,839 39 
Deduct reinsurance and return premiums, . 71,623 38 

Net cash ree'd for marine and inl'd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

from all other sources, 

Deposits received for perpetual fire risks, . $3,244 66 



Gross cash income, 



Expenditures. 



Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, 

for incidentals, 

Deposits returned on perpetual fire risks, . 



$114,050 78 
1,430 89 



,183 99 
10,597 50 



$274,381 24 

$443,827 47 
200,000 00 

$243,827 47 



$149,292 37 



113,216 01 

5,361 00 

24,603 90 

2,913 10 

749 58 



$296,135 96 



12,619 89 



74,586 49 
20,412 00 
47,1T)7 95 
12,800 00 
6,371 39 
15,873 07 



. f 1,631 00 



Gross cash expenditures, ...... $289,770 79 



240 FIRE, MAPJNE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, . 
written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Perpetual risks in force, 

Marine risks outstanding Dec. 31, 1881, 
written during 1882, . 

Total, 

Deduct risks expired and terminated, . 

Tn force at end of year, .... 
Deduct amount reinsured, . 

Net amount in force, 



$21,199,076 00 
. 17,780,465 00 



$38,985,541 00 

. 20,759,610 00 

$18,225,931 00 

426,99-4 00 

$17,798,937 00 

. $2,518,582 00 

. $1,681,826 00 

. 22,913,350 00 



Premiums. 

$194,114 46 
159,707 95 

$353,822 41 
194,024 14 

$159,798 27 
4,034 35 

$155,763 92 
1,479 35 



$24,595,176 00 
. 22,420,281 00 



$40,386 87 
199,627 14 

$240,014 01 
193,571 04 



. $2,174,895 00 
69,817 00 



$46,442 97 
1,861 62 



. $2,105,078 00 $44,581 35 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, .... 



^ ,o07,675 00 

13,951,923 00 

4,046,406 00 

20,000 00 

95,709 00 

104,252 00 

26,200 00 



IRVING INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April 30, 1872. Commenced business April 30, 1872.] 

Paid-up Capital, $200,000. 

Martin L. Crowell, President. W. F. R. Mills, Acting Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Tar value. Market value. 

United States bonds, $180,000 00 $202,175 00 

Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

20 shares Irving National Bank, . . . $2,700 00 $1,500 00 



1882.] 



INS. COS. OF OTHER STATES. 



241 



Summary of Assets Dec. 31, 1882. 

Loans of mortgage of real estate (first liens*) , $20,000 00 

Interest accrued thereon, .... 100 00 

Bonds, as per schedule, .... 202,175 00 

Loans on collateral security, as per schedule, 1,500 00 

Cash in the office of the company, . . 3,168 32 

Cash deposited in hank 16,047 06 

Interest due and accrued, .... 6 25 

Premiums in course of collection (gross), . 5,539 04 
Premiums more than S months due, $25 20 

Gross assets, ...... 

Liabilities. 

Losses adjusted, unpaid, .... $701 95 

claimed and reported, . . . 5,753 33 

disputed or resisted, .... 375 00 

Unearned premiums on outstanding risks, . 40,247 56 

Dividends to stockholders unpaid, . 50 00 

Due and accrued for rent, salaries, etc., . 643 33 

Commissions and brokerage, . . . 539 00 

Gross liabilities, except capital, 

Surplus as regards polic3~-holders, 
Paid-up capital, 

Surplus over capital, 

Income. 

Cash received for fire premiums, . . $86,657 89 

Deduct reinsurance and return premiums, . 5,901 18 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash paid for commissions and brokerage, . 



$65,553 77 
238 80 



for salaries of officers and employes, . 
for State and local taxes, 
for rent and incidentals, 

Gross cash expenditures, .... 



$248,535 67 



48,310 17 

$200,225 50 

200,000 00 

$225 50 



,756 71 
1,714 00 
7,454 96 



$89,925 67 



$65,314 97 

13,643 14 

8,715 00 

1,645 09 

7,326 79 



,644 99 



* Value of lands mortgaged, .... $27,500 00 
Value of buildings thereon, .... 20,500 00 

Amount of insurance held as collateral, . 20,500 00 



242 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



. $7,915,090 00 

. 9,060,070 00 

$10,975,160 00 

9,307,569 00 

$7,667,591 00 

91,400 00 



Premiums. 

$79,916 33 
87,272 84 

M67,189 17 
87,194 94 

$79,994 23 
681 31 



$7,576,191 00 $79,312 92 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$950,142 91 

579,876 99 

171,000 00 

64,663 68 

94,000 00 



JEFFERSON INSURANCE COMPANY IN THE CITY OF NEW 

YORK, N. Y. 

[Incorporated March 4, 1824. Commenced business March 31, 1824.] 

Paid-up Capital, $200,010. 

Samuel E. Belcher, President. Wm. B. Flowery, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
200 shares Dela. and Hudson Canal Co., 
100 " N. Y. and Harlem R. K., . 



Par value. 

$254,000 00 

20,000 00 

5,000 00 



Market value. 

$287,807 50 

21,600 00 

9,800 00 



$279,000 00 $319,207 50 



Securities held as collateral for cash loans : — 



25 shares N. Y. Bowery Insurance Co., 
20 " N. Y. Gas Light Company, 
80 " N. Y. Firemen's Ins. Company, 
68 " Tradesmen's National Bank, 
45 " Ninth National Bank, 
10 " National Park Bank, . 
240 " Dela. and Hudson Canal Co., 
Union Pacific Railroad bonds, 
400 shares Dela. and Hudson Canal Co., 
New York Elevated Railroad bonds, . 
'United States bonds, .... 



Market value. 

$1,250 00 
2,260 00 
433 50 
3,073 60 
5,400 00 
1,540 00 

25,920 00 
4,67.0 00 

43,200 00 
2,365 00 

17,906 25 



Loaned thereon. 

$500 00 

1,700 00 

2,000 00 

6,000 00 

22,000 00 

4,000 00 

40,000 00 

15,000 00 



$108,018 85 $91,200 00 



1882.] 



INS. COS. OF OTHER STATES. 



243 



Summary of Assets Dec. 
Loans on mort of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), . 
Premiums more than three months 

due, $91 90 

Gross assets, 

Liabilities. 

Losses claimed and reported, 
Unearned premiums on outstanding risks, . 
Due and accrued for rent, 
Commissions and brokerage, 
Return premiums, 
Reinsurance, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



31, 1882. 

$105,875 00 

2,646 88 

319,207 50 

91,200 00 

4,265 50 

140 77 

2,928 66 

3,566 19 



$9,047 80 


34,674 49 


666 67 


420 67 


376 70 


44 09 



$529,830 50 



Surplus over capital, . 



45,230 42 

$484,600 08 
200,010 00 

$284,590 08 



Income. 

Cash received for fire premiums, . . $68,981 96 

Deduct reinsurance and return premiums, 7,567 62 

Net cash received for fire premiums, . . 

Interest received on bond's and mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 



$61,414 34 

7,432 00 

16,346 43 

$85,192 77 



Expenditures. 

Cash paid for fire losses, .... $19,887 97 

Deduct salvage and reinsurance, . . . 616 39 

Net cash paid for fire losses, 

Cash dividends paid, . 

Cash paid for redemption of scrip, 

Interest paid scrip-holders, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 



$19,271 58 
20,001 00 

6,000 30 
12,000 60 

5,535 18 
12,763 39 



* Value of lands mortgaged $166,000 00 

Value of buildings thereon, . . . . . 149,000 00 
Amount of insurance held as collateral, . . 125,050 00 



244 FIEfi, MARINE, AND FIRE-MARINE [Dec. 31, 



('ash paid for State and local taxes, 
for rent, 
for incidentals, 



Gross cash expenditures, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, . 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 

Deduct amount reinsured, . . ., 

Net amount in force, 



$12,677,940 00 
13,480,600 00 



§26,158,540 00 
13,292,942 00 



$12,865,598 00 
292,385 00 



$4,832 08 
4,000 00 
3,390 57 

$87,794 70 



Premiums. 

$63,403 46 
67,979 25 



$131,382 71 
62,778 04 



$68,604 67 
1,009 22 



$12,573,213 00 $67,595 45 



Miscellaneous. 

Premiums received from organization of company, . 

Losses paid from organization of company, 

Cash dividends declared from organization of company, 

Dividends declared during the year (10 per cent.) . 

Fire losses incurred during the year, 

Company's stock owned by directors, 



$4,048,139 00 

1,795,978 00 

1,616,889 00 

20,001 00 

25,637 44 

20,250 00 



LONG ISLAND INSURANCE COMPANY, BROOKLYN, N. Y. 

[Incorporated April, 1833. Commenced business Nov., 1833.] 

Paid-up Capital, $300,000. 

Jonathan Ogden, President. Henry Blatchford, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 

Queens county bonds, . 

New York Central Railroad bonds, 



Par value. 

$260,000 00 

6,000 00 

30,000 00 



Market valne. 

$280,437 50 

6,240 00 

30,740 00 



5296,000 00 $317,417 50 



Summary of Assets Dec. 31, 1882. 

Loans on mortgage of rU estate (first liens *), $114,000 00 

Interest due or accrued thereon, . . . 1,881 06 

Stocks, bonds, etc., as per schedule, . . 317,417 50 

Cash in the oflice of the company, . . 1,980 78 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, . 



$98,400 00 
154,800 00 
130,700 00 



1882.] 



INS. COS. OF OTHER STATES. 



245 



Cash deposited in bank, .... 


$32,681 68 




Interest due and accrued, .... 


201 67 




Premiums in course of collection (gross), . 


14,256 75 




Premiums more than 3 rnos. due, $1,270 81 






Gross assets, 

Liabilities. 




$482,419 44 




Losses adjusted, unpaid, .... 


$3,391 55 




claimed and reported, 


4,725 00 




Total amount of losses, .... 


$8,116 55 




Less reinsurance, 


1,000 00 





Net amount of unpaid losses, . . . $7,116 55 

Unearned premiums on outstanding risks, . 72,89.0 84 

Commissions and brokerage, . . . 2,400 00 

Gross liabilities, except capital and scrip, 



82,407 39 



Surplus as regards policy-holders, . . . . $400,012 05 

Paid-up capital, $300,000 00 

Scrip outsfd'g not ordered to be redeemed, 60,493 00 

360,493 00 



Surplus over capital and scrip, .... 

Income. 

Cash received for fire premiums, . . . $158,276 19 
Deduct reinsurance and return premiums, . 20,663 77 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, 
Profit on the sale of bonds, 

Gross cash income, 



$39,519 05 



$137,612 42 

6,917 24 

13,007 15 

1,846 87 

$159,383 68 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, . 

Net cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, 

for State and local taxes, . 

for incidentals, .... 



,178 68 
4,498 67 



$93,680 01 
30,000 00 
30,780 21 
12,634 64 
1,321 19 
13,554 74 



Gross cash expenditures, 



$181,970 79 



246 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 



Risks and Premiums. 

Premiums. 

$18,745,821 00 ?126,653 14 
. 29,474,329 00 103,426 64 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$48,220,150 00 $290,079 78 
. 22,185,243 00 150,811 91 



$26,034,907 00 $139,267 87 
335,461 00 1,664 53 



$25,699,446 00 $137,603 34 



Miscellaneous. 
Premiums received from organization of company, . . $3,014,618 94 

Losses paid from organization of company, . . . 1,200,311 47 

Cash dividends declared from organization of company, . 1,361,888 43 

Dividends declared during the year (10 per cent.), . . 30,000 00 

Fire losses incurred during the year, 74,052 38 

Company's stock owned by directors, . . . . 68,100 00 



LORILLARD INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated Dec. 1871. Commenced business Jan. 1872.] 

Paid-up Capital, $300,000. 

Carlisle Norwood, President. E. B. Magnus, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Lake Shore and Michigan So. R.R. bonds, 



Par value. 

$245,000 00 
26,000 00 



Market value. 

$292,438 00 
33,150 00 



$271,000 00 $325,588 00 



Securities held as collateral for cash loans : — 



120 shares Chatham National Bank, 
40 " Oriental Bank, . 



Market value. 

$3,300 00 



1,500 



00/ 



Loaned thereon. 

$4,000 00 



Summary of Assets Dec. 31, 1882. 

Bonds, as per schedule, .... $325,588 00 

Loans on collateral security, as per schedule, 4,000 00 

('ash in the office of the company, . . 803 01 

Cash deposited in bank, .... 43,535 96 

Interest due and accrued, .... 2,456 42 

Premiums in course of collection (gross), . 20,710 53 

Cross assets, 



$397,093 92 



1882.] 



INS. COS. OF OTHER STATES. 



247 



Liabilities. 

Losses ad j listed unpaid, 

claimed and reported, 

disputed or resisted, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, 
Return premiums, .... 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$6,844 00 
2,500 00 
2,800 00 

67,517 22 

2,708 17 

1 75 



Surplus over capital, 

Income. 

( ash received for fire premiums, . . $160,039 17 

Deduct reinsurance and return premiums, . 21,061 67 

Net cash received for fire premiums, . . 

Iuterest and dividends received from all sources, 

Gross cash income, 



$82,371 14 

$314,722 78 
300,000 00 



$14,722 78 



Expenditures 

Cash paid for fire losses, 

Deduct salvage and reinsurance, . 

Net cash paid for fire losses, 

Cash dividends paid 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, 



$138,977 50 
13,971 29 

$152,948 79 



,094 66 
2,970 13 



,124 53 

9,000 00 

27,561 77 

16,820 00 

6,936 64 

20,175 44 



$163,618 38 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 



Risks and Premiums. 

Premiums. 

,480,741 00 $131,803 91 
19,774,911 00 158,878 02 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



,255,652 00 $290,681 93 
19,566,702 00 148,585 04 



$18,688,950 00 $142;096 89 
742,175 00 6,100 31 



. $17,946,775 00 $135,996 58 



Miscellaneous. 

Premiums received from organization of company, . . $1,776,502 67 

Losses paid from organization of company, . . . 820,478 53 

Cash dividends declared from organization of company, . 219,000 00 



248 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Dividends declared during the year (3 per cent.), 
Fire losses incurred during the year, . 
Company's stock owned by directors, . 



$9,000 00 

84,118 53 

101,175 00 



MANUFACTURERS' AND BUILDERS' FIRE INSURANCE COM- 
PANY, NEW YORK, N. Y. 

[Incorporated Nov. 19, 1870. Commenced business, Nov. 22, 1870.] 

Paid-up Capital, $200,000. 

Edward V. Loew, President. J. J. Nestell, Secretary. 



Detailed Statement of Stocks, Bonds, etc 

Par value. 

United States bonds, $91,000 00 

District of Columbia bonds, . . . 71,550 00 

N. Y. and Erie Railroad bonds, . . . 11,000 00 

Wabash Railroad bonds, .... 2,000 00 

Chic, Bur. and Quincy Railroad bonds, . 2,200 00 

Chicago R. I. and P. Railroad stock, . . 50,000 00 

N. Y. Central and Hudson R. R.R. stock, . 10,000 00 

Illinois Central Railroad stock, . . . 10,000 00 

Dela. and Hudson Canal Company stock, . 10,000 00 



Market value. 

$109,655 00 
79,420 50 
14,025 00 
1,600 00 
2,692 25 
63,000 00 
12,662 50 
14,200 00 
10,800 00 



$257,750 00 $308,055 25 



Securities held as collateral for cash loans : — 



120 shares Pacific Fire Insurance Co., 

25 ■ 
200 ' 

60 ' 

40 ' 

8 ' 

100 ' 

20 

50 
100 
120 ' 

50 
400 



Germania Fire Insurance Co., 
Brooklyn Fire Insurance Co , 
Peter Cooper Insurance Co., 
Pacific National Bank, 
Eagle Fire Company, 
Chic, R. I. and P. Railroad, 
Eagle Fire Company, 
Richmond and Dan. Railroad, 
Richmond & Dan. R.R. terminal 
Eleventh Ward Bank, 
Sterling Fire Insurance Co., 
Dela., Lacka. and Western R. R 



Market value. Loaned thereon. 

f 5,250 00] 

1,843 75 J 

6,630 00 > 

2,100 00 

3,000 00 J 
723 20 
12,600 00 'l 

1,808 00 ' 

2,750 00 

2,500 00 J 

3,300 00 

3,000 00 
25,600 00 



$12,000 00 



450 00 



} 13,000 00 



> 



5,000 00 
18,000 00 



1,104 95 $48,450 00 



Summary of Assets Dec. 31, 1882. 
Loans on mortgage of real estate (first liens*), $37,200 00 
Interest due or accrued thereon, . . . 549 32 



* Value of lands mortgaged $50,500 00 

Value of buildings thereon 35,000 00 

Amount of insurance held as collateral 33,500 00 



1882.] 



INS. COS. OF OTHER STATES. 



249 



$308,055 25 

48,450 00 

1,938 11 

19,445 78 

1,975 07 

11,145 16 

446 47 



Stocks, bonds, etc., as pel schedule, 

Loans on collateral security, as per schedule, 

Cash in the office of the company, 

Cash deposited in bank, 

Interest tine and accrued, 

Premiums in course of collection (gross), 

Rents due and accrued, 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... $1,977 18 
claimed and reported, . . . 6,785 00 

disputed or resisted, . . . 3,125 00 

Total amount of losses, .... $14,887 18 
Less reinsurance, 465 32 

Net amount of unpaid losses, . . . $14,421 86 

Unearned premiums on outstanding risks, . 54,444 78 

Dividends to stockholders unpaid, . . 120 00 

Due and accrued for rent, salaries, etc., . 704 14 

State and local taxes, 1,590 17 

Commissions and brokerage, . . . 1,599 00 

Return premiums, 55 10 

Gross liabilities except capital, . . 

Surplus as regards policy-holders, .... 
Paid-up capital, 

Surplus over capital, 

Income. 

Cash received for fire premiums, . . $129,628 34 

Deduct reinsurance and return premiums, . 18,491 bb 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, etc., 

Gross cash income, 



Expenditures. 

Cash paid for fire losses, .... 
Deduct salvage and reinsurance, . 
Net cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

salaries of officers and employes, 

State and local taxes, 

incidentals, 



,950 49 
6,408 01 



Gross cash expenditures, 



$129,205 16 



72,935 05 

$356,270 11 
200,000 00 

$156,270 11 



$111,136 79 

8,280 83 

12,373 40 

1,525 17 



$133,316 19 



$74,542 48 

13,880 00 

21,224 88 

19,504 80 

3,354 12 

9,705 00 

$142,211 28 



250 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Fire risks outstanding Dee. 51, 1881, 
Fire risks written during 1882, . 



Risks and Premiums. 

Premiums. 

$20,815,430 00 $102,775 26 
. 26,302,607 00 131,511 55 



Total, .... 
Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, . 

Net amount in force, 



$47,208,037 00 $231,286 81 
. 26,369,123 00 118,437 71 



$20,838,914 00 §115,849 10 
. 1,769,103 00 9,895 81 



$19,069,811 00 $105,953 29 



Miscellaneous 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (7 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



.,189,013 72 

357,249 77 

226,000 00 

14,000 00 

80,593 60 

82,500 00 



MECHANICS' FIRE INSURANCE COMPANY, BROOKLYN, N. Y. 

[Incorporated May 7, 1857. Commenced business May 7, 1857.] 

Paid-up Capital, $250,000. 

John K. Oakley, President. Walter Nichols, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Buffalo Mutual G. L. Company bonds, 
People's G. L. Company bonds, . 
Salisbury Railroad Company bonds, . 



Securities held as collateral for cash loans : - 

46 shares Mechanics' Bank, . 
83 " " " 
40 " Phenix Insurance Company, 
10 " Brooklyn Life Insurance Co., 
10 " Niagara [nsurance Company, 
" City Fire Insurance Company, 
, " National Park Bank, 
United States bonds, 



Par value. 


Market value. 


jl95,000 00 


$219,243 75 


5,000 00 


5,000 00 


5,000 00 


2,500 00 


500 00 


500 00 


1205,500 00 


$227,243 75 


Market value. 


Loaned thereon. 


$4,600 00 


$1,700 00 


8,300 00 ^ 
2,900 00 / 


5,500 00 




1,250 00 \ 
890 00 / 


1,500 00 


882 00 


7 ) 00 


1,020 00 


1,000 00 


16/7G5 00 


15,000 00 


$30,607 00 


$25,450 00 



1882.] 



INS. COS. OF OTHER STATES. 



251 



Summary of Asskts Dec 
Loans on mort. of real estate (first liens*), 
Iuterest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
Cash deposited in Merchants 1 Bank, . 
Interest due and accrued, 
Premiums in course of collection (gross), 

Gross assets 

Deduct special deposits in other States, 



Balance, 



31, 1882. 

$188,000 00 

2,866 78 

227,243 75 

25,450 00 

3,0C3 53 

30,982 39 

641 25 

19,089 73 



Liabilities. 
Losses claimed and reported, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, 

Gross liabilities, except capital, . 
Deduct liabilities on special deposits, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$15,328 11 

70,485 85 

1,000 00 

$92,813 90 
9,980 40 



Surplus over capital, 



Income. 



Cash received for fire premiums, . . . $200,930 77 
Deduct reinsurance and return premiums, . 35,032 79 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, 

Gross cash income, 

Expenditures. 

Cash paid for fire losses, .... $78,973 29 
Deduct salvage and reinsurance, . . 532 98 

Net cash paid for fire losses, . . . 

Cash divideuds paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, 

for rents and incidentals, 

Gross cash expenditures, 



$497,437 43 
25,000 00 

$472,437 43 



82,827 50 

$389,009 93 
250,000 00 

$139,609 93 



$171,297 98 

10.552 11 

13,005 13 

4,915 22 



$78,440 31 
25,000 00 
35,054 84 
19,975 97 
3,935 04 
24,293 77 



$186,699 93 



* Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$125,300 00 
265,700 00 
208,300 00 



252 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$19,941,669 00 
. 30,577,902 00 

$50,519,571 00 
. 25,514,601 00 

$25,004,970 00 
645,719 00 



Premiums. 

$114,258 24 
214,294 37 

$328,552 61 
179,748 77 

$148,803 84 
4,233 60 



$24,359,251 00 $144,570 24 



Miscellaneous 

Premiums received from organization of company, . . $2,386,079 00 

Losses paid from organization of company, . . . 1,035,333 00 

Cash dividends declared from organization of company, . 453,000 00 

Dividends declared during the year (10 per cent.), . . 25,000 00 

Fire losses incurred during the year, 83,360 58 

Company's stock owned by directors, .... 100,650 00 



MERCANTILE FIRE INSURANCE COMPANY NEW YORK, N. Y. 

[Incorporated Jan. 15, 1852. Commenced business Jan. 17, 1852.] 

Paid-up Capital, $200,000. 

Wm. A. Anderson, President. C. W. Parmelee, Secretary. 

Summary of Assets Dec. 31, 1882. 

Loans on mortgage of real estate (first liens*), $50,000 00 

Interest due or accrued thereon, . ... 745 83 

United States bonds, 179,350 00 

Cash in the office of the company, . . 945 51 

Cash deposited in bank, .... 3,090 16 

Premiums in course of collection (gross), . 4,012 25 

Gross assets, 



52*,143 75 



Liabilities. 
Losses adjusted, unpaid, 
Losses claimed and reported, 
Unearned premiums on outstanding risks, 
Due and accrued for rents, salaries, etc., 
State and local taxes, .... 
Commissions and brokerage, 
Return premiums, .... 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, 



$3,124 78 

3,055 00 

23,388 09 

577 10 

360 96 

365 61 

25 52 



30,897 06 

$207,246 69 
200,000 00 

$7,246 69 



* Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$86,000 00 
68,500 00 
50,500 00 



1882.] 



INS. COS. OF OTHER STATES. 



253 



$44,732 89 
3,323 72 



Income. 

Cash received for fire premiums, . 

Deduct reinsurance and return premiums, 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, . 

Interest and dividends received from all other sources, 

Gross cash income, 



$41,409 17 
2,375 00 
9,141 68 

$52,925 85 



Expenditures. 

Cash paid for fire losses, .... $26,001 86 
Deduct salvage and reinsurance, . . . 430 69 

Net cash paid for fire losses, . . . 

Cash dividends paid, • . 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, . 

for State and local taxes, .... 

for incidentals, 

Gross cash expenditures, 



$25,571 17 

14,000 00 

5,752 73 

11,370 00 

1,070 51 

4,312 48 



$62,076 89 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



. $7,057,376 00 
. 7,054,742 00 

$14,112,118 00 
. 7,464,506 00 

. $6,647,612 00 
243,147 00 



Premiums. 

,208 44 
45,446 24 

$93,654 68 
46,366 66 

$47,288 02 
1,571 73 



$6,404,465 00 $45,716 29 



Miscellaneous. 

Premiums received from organization of company, . . $1,939,167 84 

Losses paid from organization of company, . . . 951,712 32 

Cash dividends declared from organization of company, . 572,000 00 

Dividends declared during the year (7 per cent.), . . 14,000 00 

Fire losses incurred during the year, 27,522 73 

Company's stock owned by directors, 53,450 00 



254 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



MERCHANTS' INSURANCE COMPANY, NEWARK, N. J. 

[Incorporated February, 1858. Commenced business April, 1858.] 

Paid-up Capital, #400,000. 

HENRY POWLES, President. J. R. Mullikin, Secretary. 



Detailed Statement of 

United States bonds, 

Newark city bonds, 

Central R. R. of New Jersey bonds, 

New Jersey state bonds, 

Long Branch school bonds, . 

Essex county bonds, 

Elizabeth city bonds, . 

Jersey City bonds, 

Union count} 7 bonds, 

Union school district bonds, 

East Orange improvement bonds, 

Citizens 1 Gas Light Company stock, 

Newark Gas Light Company stock, 



Stocks, Bonds, etc. 

Par value. 

$125,000 00 

100,000 00 

25,000 00 

1,000 00 
15,000 00 

1,000 00 
16,000 00 

3,000 00 
10,000 00 

3,600 00 
28,500 00 
18,500 00 
10,000 00 



50 shares Union BnilcTg and Loan Assoc'n, 
177 " Newark City Ice Co., . 

20 " Newark City National Bank, 
8 " Newark City Ice Co., . 
Milwaukee and St. Paul R. R. bonds, . 
40 shares Manufacturers 1 National Bank, 
10 " Domestic Telegraph Company, 
Morris and Essex Railroad bonds, 
40 shares N. J Agricultural Society, . 
74 " Citizens 1 Gas Light Company, 
SO " Itosendale Lime and Cement Co. 
93 " Newark City Ice Co., . 
40 " Newark Gas Light Co., 
17 " Rosclle Land and Improved Co., 
United States bonds, .... 
26 shares Newark City Ice Company, . 
29 " Mutual Benefit Ice Company, 

National State Bank, . 
10 M Newark City National Bank, 
10 " National Newark Banking Co., 
40 " * National State Bank, . 

8 M National Newark Banking Co., 



Market value 

$145,962 00 

117,000 00 

27,375 00 

1,170 00 

17,550 00 

1,000 00 

8,000 00 

3,360 00 

10,000 00 

3,780 00 

30,780 00 

18,675 00 

13,700 00 



$356,600 00 $398,352 00 



Securities held as collateral for cash loans : — 



Market value. 

$800 00 

14,160 00 

1,320 00 

640 00 
2,400 00 
2,800 00 
1,500 00 
1,350 00 

500 00 
3,515 00 
2,850 00 
7,440 00 
2,740 00 
1,700 00 
4,770 00 
2,080 00 

290 00 
1,897 00 

660 00 

675 00 
2,300 00 

540 00 



Loaned thereon. 

$500 00 
8,200 00 

1,500 00 

2,000 00 
2,500 00 

1,600 00 

5,250 00 

5,000 00 

4,000 00 
1,500 00 

1,500 00 
1,000 00 

2,200 00 



1882.] 



INS. COS. OF OTHER STATES. 



255 



92 shares American Insurance Company, . 
Dry Dock. E. Broadway & Bat'ry R.R. bd'e, 
100 shares St. Lonis and S. Francisco R. R., 
Lehigh and Wilkesbarre Coal Co. bonds, 
Texas and Pacific Railroad bonds, 
Toledo, Wabash and W. Railroad bonds, 
100 shares Hannibal and St. Joe Railroad, 
300 " Col. C, C. and I. Railroad, 
300 " Central Pacific Railroad, . 

" Chic, Mil. and St. Paul R. R., 
200 " Dubuque and Sioux City R. R., 
100 " Dela. and Hudson Canal Co., 
16 " Citizens' Gas Light Company, 
10 " Hanover Fire Insurance Co., 



Market value. 

$730 00 
2,200 00 
9,900 00 
4,060 00 ^ 
4,150 00 
960 00 
7,400 00 
24,300 00 } 
25,800 00 
31,200 00 
17,600 00 
10,70) 00 J 
760 00 
700 00 



Loaned thereon. 

$425 00 
10,000 00 



100,000 00 



650 00 



$197,387 00 $147,825 00 



Summary of Assets Dec. 31, 1882. 



Cash value of unencumbered real estate, 
Loans on mort. of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
('ash in the office of the company, 
deposited in various banks, 
Interest due and accrued, .... 
Premiums in course of collection (gross), . 

Bills receivable, 

Rents due and accrued, .... 

Premiums more than 3 mos due, $1,525 96 

Gross assets 

Dtduct special deposits in other States, 



Balance, 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . 
Less reinsurance, . . . 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 



$163,362 06 

351,964 96 

6,767 20 

398,352 00 

147,825 00 

4,769 60 

42,101 41 

10,025 31 

36,855 22 

410 59 

1,738 57 



- $1,164,171 92 
29,812 50 

. $1,134,359 42 



14,478 79 

19,679 82 

4,700 00 



,858 61 
1,250 00 



$37,608 61 
281,415 95 



* Value of lands mortgaged, . 
Valne of buildings thereon, . 
Amount of insurance held as collateral, 



$416,815 00 
501,650 00 
409,475 00 



256 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Reclaimable on perpetual fire policies, 
Unpaid scrip ordered to be redeemed, 
[nterest due or accrued on scrip, . 
Dividends to stockholders unpaid, 

State and local taxes, . 
Commissions and brokerage, 
Return premiums, 

Gross liabilities, except capital, 
Deduct liabilities on special deposits, 



$480 00 
5,591 00 
3,481 47 
1,020 00 
257 98 
7,095 23 
2,564 15 



$339,514 39 
4,357 02 



Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 

Income. 

Cash received for fire premiums, . . . $508,002 19 

Deduct reinsurance and return premiums, . 43,049 66 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, . 

Gross cash income, 

Expenditures. 
Cash paid for fire losses, .... $262,943 63 

Deduct salvage and reinsurance, . . 1,739 57 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for redemption of scrip, 

Interest paid scrip-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, . 

for State and local taxes, 

for incidentals, 

for loss on real estate, etc., . 

( J ross cash expenditures, .... 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 
Perpetual risks in force, 



$51,868,177 00 
58,558,568 00 

$110,426,745 00 
53,140,951 00 



$57,285,794 00 
486,363 00 

$56,799,431 00 
19,800 00 



$335,157 37 



$799,202 05 
400,000 00 

$399,202 05 



$464,952 53 

22,300 08 

25,443 14 

4,840 99 

$517,536 74 



$261,204 06 

46,980 00 

1,421 00 

283 04 

87,542 67 

31,505 46 

15,575 21 

38,309 58 

524 01 

$183,345 03 



Fremiums. 

$157,337 90 
510,324 99 

$967,662 89 
422,618 12 

$545,044 77 
4,762 65 

$540,282 12 



1882.] 



IXS. COS. OF OTHER STATES. 



257 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Task dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$4,739,515 00 

2,061,071 58 

432,219 00 

48,000 00 

271,312 48 

73,650 00 



MERCHANTS 1 INSURANCE COMPANY, NEW YORK. 

[Incorporated April, 1850. Commenced business April, 1850.] 

Paid-up Capital, $200,000. 

C. V. B. Ostrander, President. J. L. Douglass, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
North River Bank stock, 
Merchants 1 Exchange Bank stock, 
New York Central Railroad stock, 
Rensselaer and Saratoga Railroad stock, 



Par value. 

$150,000 00 

9,000 00 

5,000 00 

30,000 00 

1,000 00 



Market value. 

$177,937 50 

10,800 00 
5,000 00 

37,800 00 
1,400 00 



$195,000 00 $232,937 50 



Securities held as collateral for cash loans 

United States bonds, .... 
20 shares Williamsburgh City Ins Co., 
5 " First National Bank, Saugerties, 
10 " Home Insurance Company, 
25 " Amer. Mer. Union Express Co., 



Summary of Assets Dec. 

Cash value of unencumbered real estate, 
Loans on mortgage of r 1 ! estate (first liens*), 
Interest due and accrued thereon, 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, .... 
Interest due and accrued, .... 



Market value. Loaned thereon. 

$5,900 00 $5,000 00 



2,500 00 

500 00 

1,350 00 

2,300 00 



} 



* Value of lands mortgaged, . . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$53,000 00 
195,300 00 
128,900 00 



1,200 00 

500 00 

1,700 00 



$12,550 00 $8,400 00 

31, 1882. 

$27,000 00 
117,000 00 

3,425 00 
232,937 50 

8,400 00 

2,827 00 

5,487 84 

1,791 35 



258 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Premiums in course of collection (net), . $9,351 03 

Reinsurance due, 4,151 59 

Gross assets, 

Liabilities. 

Losses claimed and reported, . . . $13,895 00 

Losses disputed or resisted, .... 4,400 00 

Unearned premiums on outstanding risks, . 62,634 05 

State and local taxes, 1,548 63 

Gross liabilities except capital, . . 

Surplus as regards policy-holders, .... 
Paid-up capital, 

Surplus over capital, 

Income. 

Cash received for fire premiums, . . . $120,240 90 
Deduct reinsurance and return premiums, 5,442 31 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 

Gross cash income, 



$412,371 31 



Expenditures. 

Cash paid for fire losses, $ 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, — 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, . 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, . 

Risks and Premiums. 



55,710 72 
1,742 36 



Fire risks outstanding Dec. 31, 1881, . 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



$19,229,735 00 
21,596,395 00 

$40,826,130 00 
20,642,432 00 

$20,183,698 00 
22,500 00 



82,477 68 

$329,893 63 

200,000 00 

$129,893 63 



|114,798 59 

7,878 20 

10,805 73 

$133,482 52 



$83,968 36 
10,000 00 
24,973 10 
20,268 55 
4,148 94 
12,341 45 

$155,700 40 



rremiums. 

$114,385 97 
126,734 82 

$241,120 79 
117,745 36 

$123,375 43 
63 25 



Net amount in force, . 



$20,161,198 00 $123,312 18 



1882.] 



INS. COS. OF OTHER STATES. 



259 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (5 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$4,193,485 22 

1,801,718 82 

1,082,000 00 

10,000 00 

88,273 56 

53,500 00 



MERCHANTS 1 INSURANCE COMPANY, PROVIDENCE, R. I. 

[Incorporated May 15, 1851. Commenced business July, 1851.] 

Paid-up Capital, $200,000. 

W. T. Barton, President. Wm. P. Goodwin, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

1,600 shares National Bank of Commerce, . $80,000 00 

1,000 " American National Bank, . 50,000 00 

400 " Merchants' National Bank, . 20,000 00 

200 " Globe National Bank, . . 10,000 00 

200 " Phenix National Bank, . . 10,000 00 

257 " Mechanics 1 National Bank, . 12,850 00 

102 " Manufacturers 1 National Bank, 10,200 00 

66 " Del. and Hudson Canal Co., . 6,600 00 

467 " Providence Gas Company, . 23,350 00 



Market value. 

$91,200 00 
55,500 00 
27,600 00 
13,000 00 
17,400 00 
18,504 00 
15,402 00 
7,128 00 
30,355 00 



8223,000 00 $276,089 00 



Securities held as collateral for cash loans : — 



100 shares Nicholson File Company, . 

15 " American Screw Company, 
Chic, St. Paul, Minn, and O. R R. bonds, 
Kansas City, St. Joe and C. B. R.R. bonds, 
13 shares Eagle National Bank, , 
10 " Old National Bank, 

3 " N. Y., Prov. and Boston R.R., 
10 " American Wood Paper Company, 



Summary of Assets Dec. 

Loans on mort. of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 



Market value. 

$11,000 00^ 



Loaned thereon . 



4,200 00 

5,400 00 

1,250 00 j 

845 00 

1,090 00 

450 00 

650 00 



S> $18,000 00 



1,525 00 



550 00 



$24,885 00 $20,075 00 

31, 1882. 

$3,000 00 

19 58 

276,089 00 

20,075 00 



* Value of lands mortgaged, $40,000 00 

Value of buildings thereon 40,000 00 

Amount of insurance held as collateral, . . . 1,7,500 00 



260 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash in the office of the company, . . $3,110 38 

( ash deposited in bank, .... 106,803 86 

Interest due and accrued, .... 197 50 

Premiums in course of collection (gross), . 19,205 91 

Gross assets,* 

Liabilities. 

Losses adjusted, unpaid, .... $7,309 50 

claimed and reported, . . . 12,650 00 

disputed or resisted, .... 2,500 00 

Unearned premiums on outstanding risks, . 123,130 70 

State and local taxes, 88 04 

Commissions and brokerage, ... 792 42 

Gross liabilities, except capital . . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 

Income. 

Cash received for fire premiums, . . $230,466 73 

Deduct reinsurance and return premiums, . 26,826 46 

Net cash received for fire premiums, . . 

Cash recM for marine and inl'd premiums, $5,216 52 
Deduct reinsurance and return premiums, . 106 87 

Net cash received for marine and inl'd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 



$428,501 26 



146,470 66 



$282,030 60 
200,000 00 

$82,030 60 



$203,640 27 



5,109 65 

150 00 

18,854 31 

$227,754 23 



Expenditures. 

("ash paid for fire losses, .... 

Deduct salvage and reinsurance, . 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, 

for State and local taxes, 

Gross cash expenditures, 



$133,420 29 
3,594 20 



$129,826 09 

1,443 26 

12,000 00 

36,931 38 

25,740 17 

5,501 63 

$211,442 53 



* Including $25,000 special reserve fund, held under Rhode Island law. 



1882.] 



INS. COS. OF OTHER STATES. 



261 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total, . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 

Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 



$16,901,021 00 
. 21,079,072 00 

$37,980,693 00 
16,834,017 00 

$21,146,676 00 
330,501 00 



Premiums. 

$178,443 80 
233,429 73 



$411,873 53 
169,860 26 

$242,013 27 
3,491 27 



$20,816,175 00 $238,522 00 



$28,058 00 
681,876 00 

$709,934 00 
659,579 00 

$50,355 00 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$203 86 

5,729 49 

$5,933 35 

5,169 44 

$763 91 



$4,602,094 19 

3,205,979 68 

578,000 00 

12,000 00 

135,938 94 

2,243 26 

41,900 00 



MERIDEN FIRE INSURANCE COMPANY, MERIDEN, CONN. 

[Incorporated July, 1868. Commenced business Feb., 1872.] 

Paid-up Capital, $200,000. 

A. Chamberlain, President. E. B. Cowles, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value 

United States bonds, $20,000 00 $23,975 00 

Meriden city bonds, 5,000 00 6,000 00 

Cleveland city bonds, 10,000 00 12,000 00 

Cincinnati city bonds, 10,000 00 12,000 00 

Dayton city bonds, 20,000 00 24,000 00 

Harlem River and Pt. Chester R. R. bonds, . 17,000 00 22,350 00 

Danbury and Norwalk Railroad bonds, . 9,500 00 11,400 00 

Dayton and Michigan Railroad bonds, . 5,000 00 5,350 00 

Housatonic Railroad bonds, . . . . 10,000 00 10,050 00 

First National Bank, Meriden, stock, . . 11,300 00 13,560 00 

Home National Bank, Meriden, stock, . 26,800 00 33,500 00 

Meriden National Bank stock, . . . 8,900 00 11,570 00 

New Britain National Bank stock, . . 4,500 00 6,975 00 

Yale National Bank, New Haven, stock,- . 5,500 00 6,600 00 



262 FIRE, MARINE, AND FIRE-MARINE [Deo. 31, 



Hartford National Bank stock, 
Mercantile National Bank, Hartford, stock, 
Phoenix National Bank, Hartford, stock, 
N. Y., N. H. and Hartford Railroad stock, 
Danburv and Norwalk Railroad stock, 
Adams Express Company stock, . 
Meriden Gas Light Company stock, . 
First Nat'l Bank stock (Wallingford, Ct.), 
Southington National Bank stock, 



Par value. 

$5,000 00 
5,000 00 
200 00 
2,500 00 
5,000 00 
2,000 00 
2,500 00 
1,000 00 
5,000 00 



Market value. 

$8,850 00 
6,750 00 
340 00 
4,550 00 
3,750 00 
2,700 00 
2,625 00 
1,050 00 
5,200 00 



$191,700 00 $235,145 00 



Summary of Assets Dec. 31, 1882. 

Loans on mortgage of real estate (first liens*), $33,000 00 

Interest due or accrued thereon, . . . 170 08 

Stocks, bonds, etc., as per schedule, . . 235,145 00 

Cash in the office of the company, . . 4,750 44 

Cash deposited in bank, .... 9,677 87 

Interest due and accrued, .... 1,240 42 

Premiums in course of collection (net), . 5,001 26 

Non-resident tax due, 191 95 

Miscellaneous, . . . $4,000 00 

Gross assets, $289,177 02 

Liabilities. 
Losses claimed and reported, . . . $3,891 78 
disputed or resisted, .... 3,172 00 

Total amount of losses, .... $7,063 78 
Less reinsurance, 325 00 

Net amount of unpaid losses, . . . $6,738 78 

Unearned premiums on outstanding risks, . 29,883 70 

Due and accrued for rent, salaries, etc., . 300 00 

Gross liabilities, except capital, . . 36,922 48 

Surplus as regards policy-holders, .... $252,254 54 
Paid-up capital, 200,000 00 

Surplus over capital, $ 52,254 54 

Income. 
Casli received for fire premiums, . . $70,389 42 

Deduct reinsurance and return premiums, . 19,029 73 

Net cash received for fire premiums, . . $51,359 69 

Interest received on bonds and mortgages, . . . 1,683 75 

Interest and dividends received from all other sources, . 11,844 19 
Income from commissions, 1,504 78 

Gross cash income, $66,392 41 



* Value of lands mortgaged, 
Value of building! thereon, . 
Amount of insurance held as collateral, 



$41,700 00 
44,300 00 
40,300 00 



1882.] INS. COS. OF OTHER STATES. 

Expenditures. 
Cash paid for fire losses, .... $13,404 46 
Deduct salvage and reinsurance, . . . 9,G60 69 

Net cash paid for fire losses, 
('ash dividends paid, .... 
Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, 

Risks and Premiums. 



263 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$6,036,270 00 
6,542,283 00 



$33,743 77 
8,000 00 
8,555 93 
4,000 00 
1,101 61 
1,935 24 

$57,336 55 



Premiums. 

$59,857 89 
68,693 97 



$12,578,553 00 
5,313,144 00 



$128,551 86 
54,588 48 



|7, 205,409 00 
1,427,790 00 



$73,963 38 
15,018 49 



$5,837,619 00 $58,914 89 






Miscellaneous. 

Premiums received from organization of company, . 

Losses paid from organization of company, 

Cash dividends declared from organization of company, 

Dividends declared during the year (4 per cent.), 

Fire losses incurred during the year, 

Company's stock owned by directors, 



$1,664,920 29 

1,052,196 78 

150,000 00 

8,000 00 

32,555 86 

67,266 00 



MONTAUK FIRE INSURANCE COMPANY, BROOKLYN, N. Y. 

[Incorporated May 19, 1857. Commenced business May 23, 1857.] 

Paid-up Capital, $200,000. 

Daniel F. Fernald, President. George F. Malby, Secretary. 



Detailed Statement of Stocks, 



United States bonds, 
Brooklyn Gas Light stock, . 
Citizens' Gas Light stock, . 
" " bonds . 
Nassau " " stock, . 

" " " certificates, 

Williamsburgh Gas Light stock, 
Metropolitan " " stock, 
Brooklyn City Railroad stock, 
Broadway Railroad stock, . 



Bonds, etc. 

Par value. 

,000 00 
5,000 00 
4,000 00 
1,000 00 
2,500 00 
6,500 00 

10,000 00 
400 00 

20,000 00 
3,500 00 



Market value. 

$92,610 00 
5,500 00 
2,960 00 
1,080 00 
1,250 00 
6,175 00 
5,100 00 
320 00 
43,000 00 
7,000 00 



2G4 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Brooklyn City and Newtown R.R. bonds, 
Yates and Flatbusfa Railroad bonds, . 
National City Bank (Brooklyn) stock, 
Long Island Bank stock, 
Nassau National Bank stock, 
Hank of New York stock, 
First National Bank (Brooklyn) stock, 
Commercial " " " 

Mechanics' " " " 

Union Ferry Company stock, 
Broadway Railroad bonds, . 



Par value. 

§10,000 00 

1,000 00 

10,000 00 

3,500 00 

5,100 00 

3,300 00 

1,200 00 

600 00 

2,500 00 

1,300 00 

500 00 



Market value 

$11,000 00 

1,050 00 

27,500 00 

3,929 00 

9,945 00 

4,818 00 

3,120 00 

660 00 

5,250 00 

2,27^ 00 

550 00 



$169,900 00 $235,083 00 
Securities held as collateral for cash loans : — 



Commercial Bank stock, 
Fulton Gas Company bonds, 
Bushwick Railroad certificates, 



Market value. 

$990 00 
12,240 00 
30,000 00 



Loaned thereon. 

$400 00 
10,000 00 
25,000 00 



$43,230 00 $35,400 00 



Summary of Assets Dec. 31, 1882. 



Loans on mort. of real estate (first liens*), 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), . 
Gross assets, 

Liabilities. 

Losses adjusted, unpaid, . . . . 

claimed and reported, 

disputed or resisted, .... 
Unearned premiums on outstanding risks, . 
Due and accrued for rent, salaries, etc., 

State and local taxes, 

Commissions and brokerage, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, .... 



$23,800 00 

235,083 00 

35,400 00 

34,648 83 

53 67 

8,711 00 



$7,142 48 


4,950 00 


4,409 58 


48,227 29 


666 67 


500 00 


1,740 00 



$337,696 50 



67,636 02 

. $270,060 48 

200,000 00 

$70,060 48 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$21,000 00 
28,500 00 
22,225 00 



1882.] 



INS. COS. OF OTHER STATES, 



265 



Income. 
Cash received for fire premiums, . . $100,296 87 

Deduct reinsurance and return premiums, . 7,420 68 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, 
Income from property sold, 

Gross cash income, 

Expenditures. 

Cash paid for fire losses, .... $66,460 85 
Deduct salvage and reinsurance, . . . 681 94 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, . 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 
Risks and Premiums, 



$92,876 19 

1,699 00 

14,520 07 

763 82 



$109,859 08 



$65,778 91 
20,000 00 
17,117 78 
11,382 03 
928 98 
12,720 80 

$127,928 50 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Premiums. 

$13,709,071 00 $92,250 08 
. 15,391,759 00 99,169 35 



$29,100,830 00 $191,419 43 
. 14,694,192 00 93,600 10 



$14,406,638 00 $97,819 33 
246,928 00 1,483 81 



$14,159,710 00 $96,335 52 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors 



.,878,340 00 

890,429 00 

503,500 00 

20,000 00 

57,847 75. 

84,400 00 



266 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



NATIONAL FIRE INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated Nov. 27, 1871. Commenced business Dec. 1, 1871.] 

Paid-up Capital, $1,000,000. 

Mark Howard, President. James Nichols, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 

Connecticut state bonds, 

Hartford city bonds, 

New Britain city bonds, 

Rochester city bonds, . 

Lockport city bonds, 

Buffalo city bonds, 

Cleveland city bonds, . 

Columbus city bonds, . 

Detroit city bonds, 

Meriden town bonds, . 

West Middle school district (Hartford) b'ds 

St. Johnsbury and Lake Champlain R. R., 

Harlem River and Port Chester Railroad, 

Erie Railway, 

Jackson, Lansing and Saginaw Railroad, 
Clev., Col., Cin. and Ind. Railroad, 
Chicago and Western Indiana Railroad, 
Chicago and Northwestern Railroad, . 
Chicago, Burlington and Quincy Railroad 
Hannibal and St. Joseph Railroad, 
400 shares N. Y., N. H., and H. Railroad, 
200 " New York and Harlem R. R. R. 
500 " New York C, and H. Riv. R. R. 
550 " Pennsylvania Railroad, 
200 " Pittsburgh, F. W., & Chic. R. R. 
200 " Cleveland and Pittsburg R. R , 
100 " Illinois Central Railroad, . 
100 " Chicago, Burl, and Quincy R R. 
300 " Chicago, R. I., and Pacific R. R 
100 " Metropolitan Nat'l B'k, N Y., 

50 " Central National Bank, N. Y., 
140 * Farm, and M. N. B'k, Hartford, 
100 " Charter Oak National Bank, 
300 " Hartford National Bank, 
300 " Phcenix National Bank, 
215 " iEtna National Bank, . 

50 " City National Bank, . 

50 " Mercantile National Bank, 
247 " National Exchange Bank, 

50 " Second National Bank, N. II., 



Par value. 

$100,000 00 
5,000 00 
35,000 00 
6,000 00 
25,000 00 
10,000 00 
15,000 00 
10,000 00 
10,000 00 
13,000 00 
10,000 00 
25,000 00 
20,000 00 
25,000 00 
20,000 00 
20,000 00 
20,000 00 
20,000 00 
20,000 00 
10,000 00 
20,000 00 
40,000 00 
10,000 00 
50,000 00 
27,500 00 
20,000 00 
10,000 00 
10,000 00 
10,000 00 
30,000 00 
10,000 00 
5,000 00 
14,000 00 
10,000 00 
30,000 00 
30,000 00 
21,500 00 
5,000 00 
5,000 00 
12,350 00 
5,000 00 



Market value 

$116,500 00 
5,200 00 
41,450 00 
6,900 00 
30,000 00 
11,500 00 
17,100 00 
11,000 00 
10,200 00 
14,950 00 
10,500 00 
28,000 00 
22,000 00 
31,250 00 
25,600 00 
21,200 00 
24,400 00 
22,000 00 
21,800 00 
10,400 00 
21,000 00 
72,800 00 
20,000 00 
65,000 00 
33,000 00 
27,000 00 
13,600 00 
14,200 00 
12,300 00 
38,400 00 
16,900 00 
6,250 00 
19,600 00 
14,000 00 
51,600 00 
52,800 00 
27,950 00 
4,500 00 
6,250 00 
18,525 00 
8,000 00 



1882.] 



INS. COS. OF OTHER STATES. 



267 



100 shares Thames National B'k, Norwich, 



75 

70 

25 

820 



NatM IVk of the Rep., Boston, 
Boston National Bank, 
Merchants 1 Bank, St. Louis, 
Willimantic Linen Company, 



Par value. 

$10,000 00 

7,500 00 

7,000 00 

47.3 00 

8,000 00" 



Market value. 

$15,100 CO 

9,375 00 

8,260 00 

175 00 

25,280 00 



$827,325 00 $1,083,815 00 



Securities held as collateral for cash loans : — 



N. H., Middletown and Wil. R. R. bonds, 
N. H., and Northampton Railroad bonds, 
N. Y. Elevated Railroad bonds, . 
State Savings Bank, book assigned, 
4 shares Phoenix National Bank, 



5 

5 
20 
10 

6 

1 
15 

6 
215 



N. Y., N. H., and Hartford R. R., 
Hartford Gas Company, 
Lake Shore and Mich. So. R R., 
N. Y , N. H., and Hartford R. H., 
Conn. Trust and S. Deposit Co., 
Pittsfield National Bank, 
Adams Express Company, . 
Hartford & Wethersfield H. R. R., 
Travelers 1 Insurance Company, . 



Market value. 

$880 00 

19,800 00 

2,360 00 

400 00 

704 00 

910 00 

150 00 

2,320 00 

1,820 00 

720 00 

110 00 

2,070 00 

480 00 

53,750 00 



Loaned thereon. 

$720 00 

16,000 00 

1,440 00 

400 00 

360 00 

550 00 

1,440 00 
1,080 00 

630 00 

1,800 00 
22,000 00 



,474 00 $46,420 00 



Summary of Assets Dec. 31, 1882. 



Cash value of unencumbered real estate, 
Loans on mort. of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, .... 
Interest due and accrued, . 
Premiums in course of collection (gross), . 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, . 
claimed and reported, 
disputed or resisted, .... 
Unearned premiums on outstanding risks, . 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, . 
Paid-up capital, 



$33,851 98 

388,000 00 

8,047 22 

1,083,815 00 

46,420 00 

1,101 26 

128,648 67 

9,397 16 

34,000 00 



$14,314 82 
9,544 00 
4,000 00 

241,296 66 



,733,281 29 



Surplus over capital, 



269,155 48 

$1,464,125 81 
. 1,000,000 00 

$464,125 81 



* Value of lands mortgaged $524,690 00 

Value of buildings thereon, ... . . . 457,050 00 

Amount of insurance held as collateral, . . . 291,600 00 



268 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

(ash received for fire premiums, . . $420,272 69 

Deduct reinsurance and return premiums, . 38,775 86 

Net casli received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Profits on sale of real estate, 



Gross cash income, .... 

Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, . 

Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, 



$232,171 83 
4,483 40 



$381,496 83 

23,499 05 

66,271 31 

3,937 76 

1,660 92 

$476,865 87 



$227,688 43 
100,000 00 
57,258 16 
30,112 74 
11,327 76 
24,737 22 

$451,124 31 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, . 

Net amount in force, 



$38,504,561 00 
41,875,645 00 



$80,380,206 00 
36,931,063 00 



$43,449,143 00 
534,853 00 



Premiums. 

$404,492 44 
420,272 69 

$824,765 13 
358,130 98 

$466,634 15 
5,896 50 



$42,914,290 00 $460,737 65 



Miscellaneous. 

Premiums received from organization of company, . . $3,823,941 23 

Losses paid from organization of company, . . . 1,807,073 69 

Cash dividends declared from organization of company, . 777,000 00 

Dividends declared during the year (10 per cent.), . 100,000 00 

Fire losses incurred during the year, 222,867 25 

Company's stock owned by directors, .... 122,100 00 



1882.] INS. COS. OF OTHER STATES. 269 

NATIONAL FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated 1838. Commenced business April 9, 1838.] 
Paid-up Capital, $200,000. 

Henry T. Dkowne, President. F. J. Walton, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $185,000 00 $220,800 00 

180 shares National Bank of Commerce, . 13,000 00 19,630 00 

100 " American Exch. Nat'l Bank, . 10,000 00 13,000 00 

150 " Manhattan Company Bank, . 7,500 00 11,137 50 

New York Produce Exchange stock, . . - 2,500 00 



$215,500 00 $267,067 50 



Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $9,995 76 

Loans on mort. of real estate (first liens*), 82,738 98 

Interest due or accrued thereon, . . . 1,094 88 

Stocks, bonds, etc., as per schedule, . . 267,067 50 

Cash in the office of the company, . . 3,756 87 

("ash deposited in bank, .... 6,724 80 

Premiums in course of collection (net), . 15,802 94 

Gross assets, 



Liabilities 
Losses adjusted, unpaid, 

claimed and reported, 
Unearned premiums on outstanding risks, 

Gross liabilities, except capital, . 



$387,181 73 



$3,800 00 

8,700 00 

108,315 57 



120,815 57 



Surplus as regards policy-holders, . . . $266,366 16 
Paid-up capital 200,000 00 



Surplus over capital, $66,366 16 

Income. 

Cash received for fire premiums, . . . $259,906 81 
Deduct reinsurance and return premiums, . 39,043 91 

Net cash received for fire premiums, . . $220,862 90 

Interest received on bonds and mortgages, .... 7,691 91 

Interest and dividends received from all other sources, . 11,373 77 

Income from rents, 819 58 



Gross cash income, $240,748 16 



* Total value of property mortgaged, . . . $194,200 00 
Amount of insurance held as collateral, . , 107,400 00 



270 FIRE, MARINE, AND FIRE-MARINE, [Dec. 31 



Expenditures. 
Cash paid for fire losses, .... $186,558 36 
Deduct salvage and reinsurance, . . 1,633 80 

Net cash paid for fire losses, . . . 

Cash dividends paid, . . . . 
Cash paid for commissions and brokerage, 

for salaries of officers and employes, 
for State and local taxes, 
for incidentals, .... 
Branch office expenses, .... 

Gross cash expenditures, 



$184,924 56 
20,000 00 
44,832 00 
28,699 43 
3,708 42 
5,322 89 
15,375 80 



$302,863 10 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31,1881, . §32,132,874 00 $264,942 38 
Fire risks written during 1882, . . . 34,024,791 00 262,958 06 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$66,157,665 00 
. 36,174,685 00 



$527,900 44 
312,155 65 



$29,982,980 00 $215,744 79 
289,963 00 2,205 03 



$29,693,017 00 $213,539 76 

Miscellaneous. 
Premiums received from reorganization of company, 



Losses paid from reorganization of company, 

Cash dividends declared from reorganization of company, 

Dividends declared during the year (10 per cent.), . 

Fire losses incurred during the year, 

Company's stock owned by directors, . 



$3,597,950 81 

1,838,503 65 

970,056 00 

20,000 00 

177,924 55 

42,975 00 



NEWARK FIRE INSURANCE COMPANY, NEWARK, N. J. 

[Incorporated May 14, 1810. Commenced business May 14, 1810.] 

Paid-up Capital, $250,000. 

Charles S. Haines, President. John J. Henry, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 

Morris and Essex Railroad stock, 
National Newark Banking Company stock, 
Newark City National Bank stock, 
National State Bank stock, . . . . 
Mechanics' Insurance Company stock, 



Par value. 

$196,000 00 

10,000 00 

7,700 00 

13,250 00 

11,400 00 

441 00 



Market value. 

$206,030 00 
12,200 00 
10,395 00 
17,887 50 
13,110 00 
350 00 



$238,791 00 $259,972 50 



1883.] INS. COS. OF OTHER STATES. 

Securities held as collateral for cash loans : - 
Merchants' Insurance Co., N. Y., stock, 



271 



Market value. Loaned thereon. 

$5,250 00 $3,500 00 



31, 1882. 

$68,700 00 

276,610 00 

5,451 50 

259,972 50 

3,500 00 

733 55 

36,438 44 

761 25 

18,174 30 

724 63 

888 43 

85 87 



$671,040 47 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mort. of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Notes taken tor marine and inland risks, 
Rents due and accrued, 

Reinsurance due, 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... $11,943 71 

claimed and reported, . . . 5,410 00 

disputed or resisted, .... 1,600 00 

Total amount of losses, .... $18,953 71 
Less reinsurance, 85 87 

Net amount of unpaid losses, . . . $18,867 84 
Unearned premiums on outstanding risks, . 123,420 22 
Dividends to stockholders unpaid, . . 8,602 36 

Commissions and brokerage, . . . 2,876 10 

Return premiums, 75 00 

Gross liabilities, except capital, . . 153,841 52 

Surplus as regards policy-holders, .... $517,198 95 
Paid-up capital, ... 250,00000 

Surplus over capital, $267,198 95 

Income. 

Cash received for fire premiums, . . $215,702 75 

Deduct reinsurance and return premiums, . 37,144 02 

Net cash received for fire premiums, . . $178,558 73 

Interest received on bonds and mortgages, . . . 29,218 98 

Interest and dividends received from all other sources, . 3,707 00 

Income from rents, 1,534 22 

Gross cash income, $213,018 93 



* Value of lands mortgaged $396,250 00 

Value of buildings thereon, .... 440,800 00 
Amount of insurance held as collateral, . . 392,000 00 



272 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, .... $164,866 35 
Deduct salvage and reinsurance, . . 817 34 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, . 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$30,822,403 00 

. 26,040,211 00 

$56,862,614 00 

. 28,369,702 00 



28,492,912 00 
609,079 00 



$164,049 01 
24,912 85 
37,246 47 
15,373 91 
7,483 32 
16,026 65 

$265,092 21 

Premiums. 

$300,923 04 
213,395 26 

$514,318 30 
262,159 50 

$252,158 80 
5,055 26 



$27,883,833 00 $247,103 54 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



1,435,954 52 

893,367 48 

428,051 00 

25,000 00 

157,549 38 

30,050 00 



NEW HAMPSHIRE FIRE INSURANCE COMPANY, MANCHES- 
TER, N. H. 

[Incorporated, 1869. Commenced business April, 1870.] 

Paid-up Capital, $500,000. 

James A. Weston, President. John C. French, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 

Manchester city bonds, . 

St. Louis city bonds, 

Chicago city bonds, 

Zanesville city bonds, . 

Marietta city bonds, 

Concord city bonds, 

Michigan Air Line Railroad bonds, 

Maine Central Railroad bonds, 



Par value. 
$200,000 00 
49,200 00 
12,000 00 
10,000 00 
10,000 00 
10,000 00 
2,000 00 
10,000 00 
10,000 00 



Market value. 

$232,335 00 
55,320 00 
12,600 00 
12,300 00 
11,000 00 
11,500 00 
2,150 00 
11,200 00 
11,000 00 



L882.] 



INS. COS. OF OTHER STATES. 



273 



Burlington and Missouri Railroad bonds, . 
Chicago, Burlington & Quincy R.ll. bonds, . 
Jackson, Lansing and Saginaw R.R. bonds, 
New York & New England Railroad bonds, 
Union Pacific Railroad bonds, 
Oregon Short Line Railway Company, 
Boston, Concord «fc Montreal R R. bonds, 
Chicago, Clin., Dub. and Minn. R.R. bonds 
Marion county court-house (Ind.) bonds, 
New Hampshire state bonds, 
Hillsborough county (N.ll.) bonds, 
Suncook Valley Railroad stock, . 
Merchants'' National Rank stock, . 
Chicago, Burlington & Quincy R R. stock, 
New York Central and H. R. R.R. stock, 
Norwich & Worcester Railroad stock, 
Pemigcwasset Valley Railroad stock, . 



Tar value. 

$10,000 00 
2 1,000 00 
10,000 00 
20,000 00 
25,000 00 
10,000 00 
02,000 00 
10,000 00 
25,000 00 
10,000 00 
5,000 00 
4,000 00 
10,000 00 
11,000 00 
10,000 00 
1,000 00 
19,200 00 



Market value. 

$11,500 00 
25,200 00 
11,500 00 
22,100 00 
29,000 00 
10,000 00 
68,200 00 
10,300 00 
26,000 00 
12,500 00 
5,500 00 
4,600 00 
12,000 00 
14,080 00 
13,000 00 
1,600 00 
21,120 00 



$579,400 00 $657,605 00 



Securities held as collateral for cash loans : — 



25 shares Chicago and W. Mich. R.R , 
53 " Pullman Palace Car Company, 

225 " Boston, Con. & Montreal R.R., 
8 " Manchester & Lawrence R.R., 
40 " Phenix Insurance Co., N.Y., 

100 " Manchester National Bank, 

100 " American Express Company, 
50 " New York Central & H. R. R R. 
50 " Lake Shore and Mich So. R.R., 
20 " New York Central & H. R. R.R. 

300 " Boston Water Power, . 

People's Savings Bank book, 

1 share Amoskeag Manufacturing Co., 

100 shares Chicago, Bur. and Quincy R.R., 
50 " Chicago, Bur. and Quincy RR., 
15 " Nashua Card & Glazed Paper Co., 



Market value. 

$1,500 00 
6,625 00 

24,750 00 
1,280 00 
2,800 00 

15,000 00 
9,400 00 
6,400 00 
5,700 00 
2,560 00 
900 00 
2,205 00 
2,175 00 

12,800 00 
6,400 00 
1,800 00 



Loaned thereon. 

$l,. f ,00 00 

5.500 00 

20,000 00 

3,000 00 

5,000 00 
6,600 00 

9,800 00 

2,400 00 
3,000 00 

1,562 50 
12,000 00 

6,500 00 



$102,295 00 $76,862 50 



SUMMAET OF ASSETS DEC. 31, 1882. 

Loans on mortgage of real estate (first liens*), $76,446 86 

Stocks, bonds, etc., as per schedule, . , 657,605 00 

Loans on collateral security as per schedule, 76,862 50 

Cash in the office of the company, . . 9,241 75 

Cash deposited in Amoskeag Nat 1 ! Bank, . 65,952 30 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$165,675 00 
65,800 00 



274 FIRE, MARINE, AND FIRE-MARIXE [Dec, 31, 



Interest due and accrued, . 
Premiums in course of collection (gross), . 
Gross assets, 

Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, . 
Unearned premiums on outstanding risks, 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital 



$7,984 00 
21,039 96 



$25,162 82 
5,500 00 
2,500 00 

177,561 59 



Surplus over capital, 

Income. 

Cash received for fire premiums, . . . $397,861 67 
Deduct reinsurance and return premiums, . 50,909 77 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, 

Gross cash income, 

Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes,. 

for State and local taxes, . . 

for incidentals, 

Gross cash expenditures, .... 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, . 
Fire risks written during 1882, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$25,910,716 00 
35,272,500 00 

$61,183,216 00 
31,782,640 00 

$29,400,576 00 
1,252,000 00 



$915,132 37 



210,724 41 



$704,407 96 
500,000 00 



$204,407 96 



$346,951 90 
35,522 89 

$382,474 79 



$207,409 52 
20,000 00 
67,996 45 
14,344 29 
9,997 60 
16,398 77 

$336,146 63 

Premiums. 

$293,413 63 
399,581 12 



$692,994 75 
343,406 88 



$349,587 87 
14,417 06 



.28,148,576 00 $335,170 81 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year, .... 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



12,219,451 61 

1,153,250 82 

201,000 00 

20,000 00 

209,403 85 

178,000 00 



1882.] 



INS. COS. OF OTHER STATES. 



275 



NEW ORLEANS INSURANCE COMPANY, NEW ORLEANS, LA. 

[Reorganized 1872. Commenced business 1805.] 
Paid-up Capital, $500,000. 
Jules Tuyf.s, President. John W. Hincks, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 



200 United States bonds, 
50 New Orleans Water Works bonds, 
40 New Orleans City Railroad bonds, 

2 New Orleans Pacific Railway bonds, 
10 Louisiana Ice Company bonds, 
50 Levee Steam Cotton Press bonds . 

1 Battalion Washington Artillery bond, 
15 shares New Orleans City R. R. Co., 

5 " State National Bank, . 
120 " Valette Dry Dock Company, 
35 " Imp'ters' B'd'd Warehouse Co, 
15 " New Louisiana Jockey Club, 



Securities held as collateral for cash loans 

25 shares N. O. City Railroad Co., 

9 shares Union National Bank, . 
20 Premium bonds, .... 
New Orleans city warrants of 1880, . 
50 shares Bienville Oil Works Company, 
10 " Louisiana Oil Company, 
10 " Louisiana Ice Company, 
25 M N. O. Gas Light Company, . 
44 M Metairie Cemetery, 

2 first mortgage notes, 

1 first mortgage note, .... 
44 shares Metairie Cemetery, 

1 " New Orleans Cotton Exchange, 

20 " Ger mania National Bank, 
62 " Louisiana Oil Company. 

1 " New Orleans Cotton Exchange, 
50 " Merchants' Mutual Ins. Co., . 

1 first mortgage note, .... 
99 shares Bienville Oil Works Company, 
24 " Citizens' Bank of Louisiana, 
75 " New Orleans Gas Light Co., 
10 bonds, State consols, 

21 shares New Orleans Insurance Co., 



Tar value. 


Market value. 


. $200,000 00 $ 


239,000 00 


25,000 00 


27,000 00 


25,000 00 


27,500 00 


2,000 00 


1,720 00 


10,000 00 


10,000 00 


25,000 00 


26,250 00 


500 00 


500 00 


1,500 00 


1,290 00 


500 00 


595 00 


G,000 00 


3,000 00 


3,500 00 


1,260 00 


1,500 00 


750 00 


$300,500 00 $338,865 00 


ns: — 

Market value. Loaned thereon. 


$2,150 00 ^ 
1,193 00/ 


$3,300 00 


16,000 00 


13,500 00 


4,080 00 


3,000 00 


5,250 00 


3,400 00 


785 00^ 
313 00 / 


850 00 


1,663 00 


1,500 00 


4,928 00 


4,000 00 


20,000 00 


15,000 00 


12,000 00 


4,500 00 


4,928 00>| 




3,000 00 I 


9,000 00 


2,750 00 ' 




4,867 00 


2,000 00 


3,000 00 


2,400 00 


5,883 00 


5,000 00 


12,000 00 


3,000 -00 


10,395 00^ 
3,216 00/ 


13,000 00 


4,988 00 


4,000 00 


6,350 00 \ 
1,381 00/ 


6,000 00 


v $131,125 00 


$93,450 00 



276 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 

Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, . 

Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, 
Reinsurance due, etc , . 
Premiums more than 3 mos. due, $5,143 95 
Gross assets, 

Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, . 

Less reinsurance, .... 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Return premiums, .... 

Gross liabilities, except capital, . 

Surplus as regards policy-holders 
Paid-up capital, 



Surplus over capital, 



31, 1882. 

$132,940 00 

115,027 66 

6,750 30 

338,865 00 

93,450 00 

90,104 79 

850 84 

68,883 99 

12,855 83 

164 35 

10,716 26 



$11,834 65 
34,167 61 
10,408 00 

$56,410 26 
10,000 00 

$16,410 26 

201,117 02 

4,215 50 

16,912 01 



170,609 02 



268,654 79 



$601,954 23 
500,000 00 



$101,954 23 



Income. 

Cash received for fire premiums, . . $546,009 77 

Deduct reinsurance and return premiums, . 166,302 74 

Net cash received for fire premiums, . . 

Cash received for marine and inl'd prem's, $146,135 47 
Deduct reinsurance and return premiums, . 35,174 27 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Gross cash income, 



$379,707 03 



110,961 20 

25,790 47 

10,079 43 

7,055 86 

$533,593 99 



* Value of 1,'umIh mortgaged, . . , 
Value of buildings thereon, 
Amount of insurance hold as collateral, 



$70,875 00 
212,625 00 
103,716 00 



1882.] 



INS. COS. OF OTHER STATES. 



277 



Expenditures. 

Cash paid for fire losses, .... 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance,. 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 
for State and local taxes, . 
for incidentals, .... 

Gross cash expenditures, 



$63,065 74 
4,662 30 



3188,793 62 



58,403 44 
45,784 50 
58,565 60 
36,061 56 
14,814 36 
23,058 25 

$425,481 33 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$13,103,177 00 
. 50,065,863 00 



$63,169,040 00 
. 26,086,245 00 

$37,082,795 00 
. 3,279,176 00 



Premiums. 

$160,273 31 
519,589 40 

$679,862 71 
244,511 21 

$435,351 50 
61,701 40 



$33,803,619 00 $373,650 10 



Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$480,450 00 
15,592,702 00 

$16,073,152 00 
14,732,704 00 

$1,340,448 00 
486,250 00 



$6,723 16 
162,266 81 



$168,989 97 
140,043 03 



$28,946 94 
7,390 13 



$854,198 00 $21,556 81 



Miscellaneous. 

Premiums received from reorganization of company, $4,485,719 82 

Losses paid from reorganization of company, . . . 1,957,060 96 

Cash dividends declared from reorganization of company, 500,000 00 

Dividends declared during the year (10 per cent.), . . 50,000 00 

Fire losses incurred during the year, 157,356 72 

Marine and inland losses incurred during the year, . . 56,219 40 

Company's stock owned by directors, ..... 27,400 00 



278 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



NEW YORK BOWERY FIRE INSURANCE COMPANY, 
NEW YORK, N. Y. 

[Incorporated April, 1833. Commenced business September, 1833.] 

Paid-up Capital, $300,000. 

John A. Delanoy, Jr., President. Henry Griffen, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 

Central Pacific Railroad bonds, . 

Chesapeake and Ohio Railroad bonds, 



Par value. 

$600,000 00 
50,000 00 
40,000 00 



Market value. 

$706,250 00 
58,375 00 
42,400 00 

$807,025 00 



$690,000 00 
Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

Bowery Savings Bank book, 

Chesapeake and Ohio Railroad bonds, 

51 shares Importers 1 and Traders 1 Nat 1 ! Bk., 



67 " Michigan Central Railroad, . 
13 " Manhattan Gas Company, . 
50 " Oriental Bank, 



$1,046 30 
2,100 00 

13,250 00 
6,700 00 
1,300 00 
1,850 00 



$1,046 30 
1,100 00 
6,900 00 
4,500 00 
1,000 00 
1,250 00 



$26,246 30 $15,796 30 



Summary of Assets Dec. 31, 1882. 

Loans on mortgage of real estate (first liens*), $49,700 00 

Interest due or accrued thereon, . . . 372 75 

Stocks, bonds, etc., as per schedule, . . 807,025 00 

Loans on collateral security, as per schedule, 15,796 30 

Cash in the office of the company, . . 7,551 07 

Cash deposited in bank, .... 734 41 

Interest due and accrued, .... 697 88 

Premiums in course of collection (gross), . 31,000 00 

Gross assets, 



$912,877 41 



Liabilities. 
Losses claimed and reported, 
Losses disputed or resisted, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, 



$40,500 00 
11,600 00 

177,205 27 
1,000 00 
6,200 00 



236,505 27 

$1)76,372 14 
300,000 00 

$376,372 14 



* Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$50,000 00 
75,000 00 
62,100 00 



1882.] 



INS. COS. OF OTHER STATES. 



279 



6352,806 17 
20,562 CO 



Income. 

Cash received for fire premiums, . 
Deduct reinsurance and return premiums, 

Net cash received for lire premiums, . . 

Interest received on bonds and mortgages, . 

Interest and dividends received from all other sources, 

Gross cash income, . . . 



$332,243 57 

2,982 00 

31,326 23 

$366,551 80 



Expenditures. 
Cash paid for fire losses, .... $223,258 24 
Deduct salvage and reinsurance, . . . 6,198 51 

Net casli paid for lire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



$217,059 73 
60,000 00 
48,452 23 
33,248 05 
5,448 67 
19,552 24 

$383,760 92 



Fire risks outstanding Dec, 31, 1881, 
Fire risks written during 1882, . 



Risks and Premiums. 

Premiums. 

$18,745,319 00 $273,551 88 
. 52,221,328 00 358,505 23 



Total, .... 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$100,966,647 00 $632,057 11 
. 50,612,483 00 283,972 31 



$50,354,164 00 $348,084 80 
. 1,259,132 00 9,864 12 



$49,095,032 00 $338,220 68 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent)., 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



p5,386,365 28 
2,172,348 00 
2,636,500 00 

60,000 00 
250,159 73 

72,025 00 



280 FIRE, MARINE, AND FIRK-MARINE [Doc. 31, 



NEW YORK FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April 18, 1832. Commenced business Dec. 22, 1832.] 

Paid-up Capital, $200,000. 

Daniel Underiiill, President. Augustus Colson, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Par value. 

United States bonds, $100,000 00 

New York county bonds, . . ... 5,000 00 

Long Island city bonds, .... 10,000 00 

113 shares People's Bank, .... 2,82500 

92 " Tradesmen's Bank, . . . 3,680 00 

30 " Marine Bank, .... 3,000 00 

47 " Mechanics' Bank, . . . 1,175 00 



Securities held as collateral for cash loans : - 

Oxford Iron Company bond, 
4 shares Eagle Insurance Company, . 
10 " Howard Insurance Company, 



Summary of Assets Dec. 

Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 

deposited in bank, .... 

Interest due and accrued, .... 

Premiums in course of collection (gross), . 

Rents due and accrued, .... 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... $8,496 00 

claimed and reported, . . . 11,409 00 

disputed or resisted, .... 2,712 00 

Unearned premiums on outstanding risks, . 93,666 97 

State and local taxes, 675 00 



Market value. 

$116,o62 50 
5,100 00 
10,000 00 
3,955 00 
4,195 20 
4.200 00 
1,762 50 



$ 125,680 00 


§145,775 20 


Market value. 


Loaned thereon. 


f^00 00 


f 750 00 


316 60 


200 00 


420 00 


350 00 


$1,536 60 


$1,390 00 


31, 1882. 




$104,900 00 




82,500 00 




2,352 50 




145,775 20 




1,300 00 




3,599 12 




8,284 14 




1,659 08 




19,820 24 




1,681 00 


ft:*71 871 98 



* Value of lands mortgaged) 

Value of buildings thereon, . 
Amount of Insurance held as collateral, 



$60,000 00 
142,000 00 
104,100 00 



1882.] 



INS. COS. OF OTHER STATES. 



281 



12,973 03 
150 00 



Commissions and brokerage, 

Bills payable, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, 

Income 

Cash received for fire premiums, . . . . $220,792 65 
Deduct reinsurance and return premiums, . 12,224 13 

Net cash received for tire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, . 

Income from rents, 

Gross cash income, 

Expenditures. 

Cash paid for fire losses, .... $164,81*51 
Deduct salvage and reinsurance, . . . 127 12 

Net cash paid for tire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, . 

for State and local taxes, .... 

for incidentals, ...... 

Gross cash expenditures, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



822,111,065 00 
27,879,550 00 



$49,990,615 00 
22,756,254 00 

827,234,361 00 
143,650 00 



8120,142 00 

$251,729 28 
200,000 00 

851,729 28 



$208,568 52 
5,178 02 
6,789 19 
5,221 92 

8225,757 65 



8164,691 39 

20,000 00 

33,446 68 

17,276 71 

4;077 92 

6,144 98 

$246,637 68 



Premiums. 

8190,128 99 
228,243 73 

$418,372 72 
232,543 14 

8185,829 58 
590 28 



$27,090,711 00 $185,239 30 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$3,642,963 00 

2,214,593 00 

1,346.000 00 

20,000 00 

154,000 00 

34,700 00 



282 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



NIAGARA INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated July, 1850. Commenced business August, 1850.] 

Paid-up Capital $500,000. 

Peter Notman, President. Thomas F. Goodrich, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Tar value. Market value. 

United States bonds, $770,000 00 $924,675 00 

Jersey City bonds 8,000 00 8,960 00 

District of Columbia bonds, . . . 10,000 00 11,200 00 

Delaware and Hudson Canal Co. bonds, . 20,000 00 23,200 00 

Quincy, Alton and St. Louis R.R. bonds, . 50,000 00 49,000 00 

250 shares American Exchange Nat'l Bank, 25,000 00 32,500 00 

Lake Erie and Western Railroad bonds, . 15,000 00 15,000 00 

Lafayette, Bloom, and Muncie R.R. bonds, . 35,000 00 35,000 00 

Dundee Water Power and Land Co. bonds, 20,000 00 21,600 00 

Gulf, Colorado and Santa Fe R.R bonds, . 15,000 00 16,500 00 

Ohio Central Railroad bonds, . . . 25,000 00 24,000 00 

200 shares New York G. L. Company, . 20,000 00 23,200 00 

Central Pacific Railroad bonds, . . . 30,000 00 31,500 00 

St. Louis Iron Mt. Railroad bonds, . . 50,000 00 55,000 00 

Chic, Mil. and St. Paul Railroad bonds, . 50,000 00 54,500 00 

Albany and Susquehanna Railroad bonds, . 50,000 00 62,500 00 

200 shares Delaware and Hudson Canal Co., 20,000 00 22,400 00 



$1,213,000 00 $1,410,735 00 



Securities held as collateral for cash loans : — 



Buffalo, B. and Pittsburg Railroad bonds, 
86 shares Hanover Fire Insurance Co., 
8 " Republic Fire Insurance Co., 
15 " Sun Mutual Insurance Co., 
70 " Newark City Insurance Co., 



Summary of Assets Dec. 

Cash value of unencumbered real estate, 
Loans on mort. of real estate (first liens*) 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
Cash deposited in bank, 



Market value. 

$14,000 00 
7,900 00 
3,500 00 



Loaned thereon. 

$±,500 00 
4,000 00 
1,000 00 



$25,400 00 $9,500 00 

31, 1882. 

$22,000 00 

105,700 00 

3,198 57 

1,410,735 00 

9,500 00 

3,127 49 

39,440 39 



* Value of hinds mortgaged, .... $143,750 00 

Value of buildings thereon 73,250 00 

Amount ofiiiHurunce held as collateral, . . 73,250 00 



1882.] 



INS. COS. OF OTHER STATES. 



283 



Interest due and accrued, 

Premiums in course of collection (gross), 

Reinsurance due. . . . ' . 

Gross assets, 

Deduct special deposits in other Slates, 



$14,066 85 

170,824 07 

1,897 98 



Balance, 

Liabilities. 

Losses claimed and reported, . . . $14.3,762 83 

disputed or resisted, .... 8,287 17 

Unearned premiums on outstanding risks, . 591,086 33 

Dividends to stockholders unpaid, . . 545 50 

Commissions and brokerage, . . . 25,000 00 

Gross liabilities, except capital, . . $768,63183 
Deduct liabilities on special deposits, . . 5,426 78 

Surplus as regards policy-holders, . 
Paid-up capital, 



$1,780,490 35 
60,000 00 

$1,720,490 35 



Surplus over capital, 

Income. 

Cash received for fire premiums, . . $1,168,142 92 

Deduct reinsurance and return premiums, . 187,479 86 

Net cash received for lire premiums, . . 

Interes-t received on bonds and mortgages, 

Income from all other sources, 

Gross cash income, 

Expenditures. 

Cash paid for fire losses $654,593 20 

Deduct salvage and reinsurance, . . . 75,156 99 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, . 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 
Risks and Premiums. 



763,205 05 

$'J57,285 30 
500,000 00 

$457,285 30 



$980,663 06 

5,952 49 

61,966 76 

§1,048,582 31 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$105,733,885 00 
139,754,195 00 

$245,488,080 00 
104,043,022 00 

$141,445,058 00 
. 10,644,792 00 

$130,800,266 00 $1,123,495 48 



$579,436 21 
70,007 00 
166,155 10 
73,323 67 
23,955 99 
98,644 35 

$ 1,011,522 32 

Premiums. 

$898,576 84 
1,225,171 56 

$2,123,748 40 
877,275 01 

$1,246,473 39 
122,977 91 



284 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (14 percent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$13,924,980 23 

. 7,635,268 70 

. 1,724,000 00 

70,000 00 

656,260 53 

206,600 00 



NORTHWESTERN NATIONAL INSURANCE COMPANY, 
MILWAUKEE, WIS. 

[Incorporated Feb. 20, 1869. Commenced business July 1, 1869.] 

Paid-up Capital, $600,000. 

Alexander Mitchell, President. John P. McGregor, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Chic., Mil., and St. Paul Railroad bonds, 
Milwaukee county bonds. 



Summary of Assets De 
Loans on mort. of real estate (first liens*) 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 

deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (net), 
Notes taken for marine and inland risks, 
Board of Trade certificates, . 
Reinsurance due, ..... 
Gross assets, .... 

Liabilities 
Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted,. 
Unearned premiums on outstanding risks, 

Bills payable, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



Par value. 

$420,000 00 

100,000 00 

23,200 00 



Market value. 

$506,600 00 

126,200 00 

26,448 00 



Surplus over capital, . 



$543,200 00 $659,248 00 

C. 31, 1882. 
$141,000 00 
1,483 75 
659,248 00 
5,568 6-4 
286,215 74 
1,298 11 
28,072 98 
95 00 
4,000 00 
329 03 
$1,127,311 85 



$9,233 35 
28,458 00 

1,800 00 
235,134 10 

1,051 85 



275,677 30 

.851,634 55 
600,000 00 



$251,634 55 



* Value of lands mortgaged, . 
Value of building! thereon, . 

Amount of insurance held as collateral, 



$242,000 00 

206,500 00 
132,200 00 



1882.] 



INS. COS. OF OTHER STATES. 



285 



Income. 

Cash received for fire premiums, . . $382,034 03 

Deduct reinsurance and return premiums, . 30,339 12 

Not cash received for lire premiums, . . 

Cash ree'd for marine and inland prem's, . $62,032 21 
Deduct reinsurance and return premiums, . 20,105 65 

Net cash ree'd tor marine and inland prem's, 

Interest ree'd en bonds and mortgages, .... 
Interest and dividends received from all sources, 

Gross cash income, 



§351,694 91 



41,926 56 

9,340 96 

38,945 81 

$141,908 24 



Expenditures. 

Cash paid for fire losses, .... $155,640 61 
Deduct salvage and reinsurance, . . 1,402 54 

Net cash paid for lire losses, . . . 

Cash paid for marine and inland losses, . $27,087 84 
Deduct salvage and reinsurance, . . . 3,496 01 

Net cash paid for marine and inland losses, 

Cash dividends paid, ...... 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, . 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



$154,238 07 



23,591 83 

60,000 00 
60,230 14 
36,828 86 
9,883 17 
37,282 78 



$382,054 85 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, . 
Fire risks written during 1882, 

Total 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 

Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total, 

Deduct risks expired and terminated, . 



$30,182,921 00 
37,362,091 00 



$67,545,012 00 
31,624,460 00 



$35,920,552 00 
108,320 00 



Premiums. 

$353,384 54 
389,665 94 



$743,050 48 
310,089 51 

$432,960 97 
1,308 86 



$35,812,232 00 $431,652 11 



$78,000 00 

7,796,779 00 

$7,874,779 00 

7,799,779 00 



$1,000 00 

62,032 21 

$33,032 21 

62,032 21 



In force at end of year, 



$75,000 00 $1,0 JO 00 



28G FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



8-1,706,810 -40 
2,625,920 84 

447,000 00 
60,000 00 

158,822 97 
18,920 43 

353,400 00 



ORIENT INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated June, 1S67. Commenced business Jan., 1872.] 

Paid-up Capital, $1,000,000. 

Selden C. Preston, President. George W. Lester, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

504 shares American Nat'l Bank, Hartford, $25,200 00 $38,808 00 

122 " iEtna Nat'l Bank, Hartford, . 12,200 00 16,470 00 

130 " Charter Oak Nat'l Bank, H'tf 'd, 13,000 00 18,850 00 

139 " Farm's and Mech. Nat'l Bank, . 13,900 00 20,016 00 

152 " Mercantile Nat'l Bank, Hartford, 15,200 00 20,520 00 

62 " Phoenix Nat'l Bank, Hartford, . 6,200 00 11,036 00 

186 " Exchange Nat'l Bank, Hartford, -9,300 00 14,415 00 

132 " City Nat'l Bank, Hartford, . 13,200 00 12,144 00 

1000 " Hartford Nat'l Bank, Hartford, 100,000 00 177,500 00 

46 " First Nat'l Bank, Hartford, . 4,600 00 5,704 00 

100 " Conn.Trust&S. D. Co., H't'f'd, 10,000 00 12,000 00 

150 " Thames Nat'l Bank, Norwich, . 15,000 00 22,650 00 

100 " First Nat'l Bank, Norwich, . 10,000 00 11,600 00 

6 " Rockville Nat'l Bank, Rockville, 600 00 690 00 

75 " Metropolitan Nat'l Bank, N. Y , 7,500 00 12,750 00 

302 " Mechanics' Nat'l Bank, N. Y., . 7,550 00 11,476 00 

30) " N. Y , N. H. and II. R.R. Co., . 30,000 00 53,700 00 

400 " Cleveland & Pittsburg R.R. Co., 20,000 00 27,800 00 

200 " N. Y. C. and H R. R.R., . . 20,000 00 25,600 00 

C, M. and St. Paul RR bonds, . . . 20,000 00 24,60J 00 

Indianapolis and Cin. R.R. Co. bonds, . . 16,500 00 18,480 00 

Dayton and Michigan R.R. bonds, . . 25,000 00 26,750 00 

Vermont Valley R.R. bonds, . . . 25,000 00 26,500 00 

St. Johnsbury and Lake Champlain R.R. 

bonds, 15,000 00 16,500 00 

C. C, C. and I. R.R. bonds, .... 25,000 00 30,500 00 

Kansas Pacific KM. bonds, .... 10,000 00 10,100 00 

Morris and Essex R.R. bonds, . . . 10,000 00 12,300 00 

Peoria County (111.) bonds, .... 5,000 00 5,500 00 

Pawtacket (K. I) town bonds, . . . 25,000 00 30,000 00 



1882.] 



INS. I OTHER STATES, 






Brunswick (X. J.) city bonds, 
ille (Ind ) city dol 

/►any bonds, 
mn.) town bonds, 
Lockport (X. Y.) city bonds, 

(Ind.) city bonds, 
Indianapolis (Ind.) city bonds, 
Des Moines (Iowa) city bonds, 
Hartford (Conn.) town bo: 



15,(» 

00 

000 00 

.000 00 

.000 00 

- .000 00 

00 



500 00 

17.27-0 00 

30 00 

-.000 00 

11,500 00 

.500 00 

22,000 00 

11,500 00 

00 



$662,950 00 $396. 



Securities held as collateral for cash loans — 

41 shar nal Fire Ins. Co., Hartford, 

- • 

6 " 

7 

10 * 

10 € 
17 



nnecticut Fire I H'tf *d, 

". ' I - ■ 1 1 . - f : d . . 
nk, 
M *1 Bank, Hartford, 

JE:na Fire Ins. Co., Hartford. 
JEina Fire Ins. Co., Hartford, 
-E.na Fire Ins. Co., Hartford, . 
15 ■ Araer. Natl Bank, Hartford 

5 " Charter' 

3 " I ional Bank, Hartford, 

30 M ■ Life I :ford, . 

35 " Conn. Gen. Life Ins. Co 

15 ■ Travelers' Ins. ( ,H iford, . 

Company, Hartfor: 

Hartfor Hartford, . 

100 " Collins Co, Collins nn., 

6 u Amer. S .Providence, . 

29 ** Adams Exp: 

30 •* Nonotuek Sflk Co, X'hampton, 
5 " Hartford Carpet Company, 

1410 " Willimantic Linen Co., H'tf *d. . 
I I " Pennsylvania Railroad Co., 
10 ■ N Y. N". H and H. R.R 
10 - N.Y. C. andH-R.R-R.Co, 
15 - Chic, Burl & Quit Co., 

15 ** Conn. Fire Ins -tford, . 

85 " Eagle Lock < T 
46 ■ N. Y . X. H and H. R.R 

L"? •• - . . 

Chic -rn R.R. Co. bond, 1883, 

Morris a : R.R. Co. bonds, 1914, 

Connecticut State bond, 18 ~ 
Cleveland and Toledo R.R. Co. bonds, 1885, 
Keokuk and I R. Co. bond, 



>'.-•:: ralBBL 


'a :■.- el Ban -. 


00 


f '-'" 


K) 00 


. 50 00 


810 


860 00 


-0 00 \ 


1,000 00 


>10 00 


720 00 


460 00^ 

1,155 00 » 

00 f 




1380 00 


7S 




00 


» 00 


200 00 


) 00 


3,75<"> 00 


2,610 00 


600 00> 
" 00 ■ 

. o oo ; 




: 


i.y 




" 00 


00 




- 00 


1.280 00 


: 


111,390 00 


,000 00 


69 00 


-• 


1,790 00^ 


00 


1*860 00^ 






-:.': :•: 






.34 00 


1,000 00 


40 OO^j 




20 00 I 


5,000 00 


.--: . 




10,500 00 


5,000 00 


: 24" ' ' 

52C 00/ 


3,000 00 


$222,318 00 


s:::.:7. .. 



288 FIRE, MAEINE, AXD FIRE-MARIXE [Dec. 31, 



Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $29,49-1 69 
Loans on mortgage of real estate (first liens*), 222,870 70 



Interest due or accrued thereon, . 

Stocks, bonds, etc., as per schedule, 

Loans on collateral security, as per schedule, 

Cash in the office of the company, 

Cash deposited in bank, . 

Interest due and accrued, .... 

Premiums in course of collection (net), 

Gross assets, ...... 



3,452 16 
896,039 00 

109,270 00 

1,034 79 

79,430 36 

11,671 76 

42,140 72 



$1,395,404 18 



Liabilities. 

Losses claimed and reported, 
Losses disputed or resisted , 

Unearned premiums on outstanding risks, . 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$21,255 36 

2,115 40 

251,856 69 



Surplus over capital, 



275,227 45 

$1,120,176 73 
1,000,000 00 

$120,176 73 



$468,765 41 
66,103 55 



Income. 

Cash received for fire premiums, 

Deduct reinsurance and return premiums, . 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 



$102,661 86 
12,898 73 
55,877 94 

$171,438 53 



Expenditures. 

Cash paid for fire losses, .... $294,98156 
Deduct salvage and reinsurance, . . 7,674 79 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and emplo}*es, 

for State and local taxes, .... 

for incidentals, 

Gross cash expenditures, 



$287,306 77 
80,000 00 
65,829 51 
26,220 73 
10,171 81 
33,704 76 



$503,233 58 



* Total value of prop, rty mortgaged, . . $582,300 00 
Amount of insurance held as collateral, . . 205,565 00 



1882.] 



INS. COS. OF OTHER STATES. 



289 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 



Risks and Premiums. 

Tremiums. 

$34,927,616 00 $413,821 15 
. 38,575,646 00 466,969 71 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



f73,503,262 00 $*80,790 86 
. 33,621,048 00 389,596 73 



$39,882,214 00 $491,194 13 
581,816 00 9,339 88 



§39,300,398 00 $481,854 25 



Miscellaneous. 

Premiums received from organization of company, . . $3,719,213 07 

Losses paid from organization of company, . . . 1,969,094 25 

Cash dividends declared from organization of company, . 525,000 00 

Dividends declared during the year, (8 per cent.) . . 80,000 00 

Fire losses incurred during the year, 283,660 75 

Company's stock owned by directors, .... 78,100 00 



ORIENT MUTUAL INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated Feb. 18, 1854. Commenced business March 1, 1854.] 

Eugene Dutilh, President. Charles Irving, Secretary. 

Summary of Assets Dec. 31, 1882. 



Cash value of unencumbered real estate, 
United States bonds, .... 
Cash deposited in bank, 
Premiums in course of collection (gross), 
Interest due and accrued, 
Notes taken for marine and inland risks, 
Company's own scrip, . . $77,467 00 
Gross assets, 

Liabilities. 
Total amount of losses unpaid, . 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, . 
Commissions and brokerage, 
Return premiums, 
Reinsurance premiums, 

Gross liabilities, except scrip, 



$400,000 00 

238,750 00 

36,027 01 

55,327 24 

6,648 02 

161,444 58 



$31,892 43 

63,576 63 

651 00 

8,545 16 

733 75 

400 00 

3,724 18 



Surplus as regards policy-holders, 
Scrip outstanding, not ordered to be redeemed, 



$898,196 85 



109,523 15 

$788,673 70 
593,203 00 



Surplus over scrip, $195,470 70 



290 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for marine and inland prems., $395,373 65 
Deduct reinsurance and return premiums, . 105,734 36 

Net casli received for marine and inl'd prems., 

Interest and dividends received from all sources, 
Income from rents, 



Gross cash income, 

Expenditures. 
Cash paid for marine and inland losses, . $317,921 25 
Deduct salvage and reinsurance, . . . 60,302 32 

Net cash paid for marine and inland losses, 

Cash paid for redemption of scrip, 
Interest paid scrip-holders, .... 
Cash paid for commissions and brokerage, . 

for salaries of officers and employes, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, 

Risks and Premiums. 



Marine risks outstanding Dec. 31, 1881. 
Marine risks written during 1882, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, . 



. $6,942,820 00 
. 48,390,688 00 

$55,333,508 00 
. 50,565,260 00 



$289,639 29 
13,403 50 
30,794 17 

$333,836 96 



$257,618 93 

170 00 

274 11 

21,123 18 

38,199 50 

13,070 29 

7,294 11 

|337,750 12 



Premiums. 
$85,890 77 
381,217 49 

$467,108 26 
403,531 63 



$4,768,248 00 $63,576 63 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Marine and inland losses incurred during the year, 



523,706,646 32 

12,781.827 35 

175,307 98 



PACIFIC FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April 26, 1851. Commenced business April 29, 1851.1 
Paid-up Capital, $200,000. 

Thomas F. Jeremiah, President. Frank T. Stinson, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, 8431,500 00 $521,666 25 



Securities held as collateral for cash loans : — 



42 shares Marine National Bank, N. Y., 
40 " Mechanics 1 Bank, Brooklyn, . 



Market value. Loaned thereon. 

* 5 ' 6700 n J7.000 00 
4,000 00/ 



1882.] 



INS. COS. OF OTHER STATES. 



291 



10 shares Star Fire Insurance Company, 
IS " Importers' and Traders' Ins. Co., 
10 " People's Fire Insurance Co., 
2 " Eighth Avenue Railroad, 



Market value. 

$700 00 
675 00 
590 00 
400 00 



Loaned thereon. 

$500 00 
600 00 
400 00 
200 00 



$12,035 00 $8,700 00 



Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $70,000 00 
Loans on mortgage of real estate (first liens*), 69,300 00 

Interest due or accrued thereon, . . . 542 75 

Stocks, bonds, etc , as per schedule, . . 521,666 25 

Loans on collateral security, as per schedule, 8,700 00 

Cash in the office of the company, * . 13,076 32 

bash deposited in bank, .... 20,913 59 

Interest due and accrued, .... 685 50 

Premiums in course of collection (gross), . 15,555 72 

Rents due and accrued, .... 458 34 
Premiums more than 3 mos. due, $457 03 

Gross assets, 



$720,898 47 



Liabilities. 

Losses adjusted, unpaid, 

Losses claimed and reported, 

Losses disputed or resisted, . 

Unearned premiums on outstanding risks, 

State and local taxes, .... 

Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$6,220 00 

19,910 00 

500 00 

118,873 93 

800 00 

3,691 19 



149,995 12 

. $570,903 35 
200,000 00 

Surplus over capital, $370,903 35 

Income. 

Cash received for fire premiums, . . $217,866 23 
Deduct reinsurance and return premiums, . 10,900 03 

Net cash received for fire premiums, . . $206,966 20 

Interest received on bonds and mortgages, . . . 4,930 83 

Interest and dividends received from all other sources, . 21,072 50 

Income from rents, 2,989 59 

Gross cash income, $235,959 12 



* Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$65,400 00 
90,100 00 
73,700 00 



292 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures 

( lash paid for fire losses, . 

Deduct salvage and reinsurance, . 

Net cash paid for fire losses, 

('ash dividends paid, 

Cash paid tor commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, 



0118,324 89 
2,011 92 



0116,312 97 
32,000 00 
40,280 20 
22,731 33 
6,596 21 
17,529 10 

$235,449 81 



Risks and. Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



032,355,062 00 
. 34,085,405 00 



Premiums. 

0216,324 86 
224,918 21 



,440,467 00 0441,243 07 
32,930,881 00 204,216 12 



033,509,586 00 0237,026 95 
651,806 00 5,243 96 



032,857,780 00 0231,782 99 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (16 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



03,823,824 00 

1,722,083 68 

1,110,000 00 

32,000 00 

129,142 97 

55,325 00 



PENNSYLVANIA FIRE INSURANCE COMPANY, PHILADEL- 
PHIA, PENN. 

[Incorporated March, 1825. Commenced business April, 1825.] 

Paid-up Capital, 0400,000. 

John Devereux, President. John L. Thomson, Secretary. 



Detailed Statement of Stocks, Ronds, etc. 



United States bonds, .... 
Philadelphia city loans, 
Phila , Wil. and Baltimore Railroad stock, 
Philadelphia and Erie Railroad C loan, 
Pennsylvania Railroad Co. loan, . 
United Companies of New Jersey loan, 



Par value. 

$220,000 00 
50,000 00 
110,000 00 
75,000 00 
99,000 00 
60,000 00 



Market value. 

.226,875 00 
65,0-10 00 

105,000 00 
77,625 00 

108,300 00 
66,600 00 



1882.] INS. COS. OF OTHER STATES. 



293 



Easton and Amboy Railroad Co. loan, 
Phil a. and Reading Railroad Co. loan, 
Phi] a. and Reading Coal and Iron Co. loan 
North Pennsylvania Railroad Co. loan, 
Harrisburg, P., Mt. Joy & L. R. R. Co. loan 
Lehigh Valley Railroad Company loan, 
Elmira and W. Railroad Co. loan, 
West Jersey Railroad Co. loan, . 
Penn. and X. Y. Canal and R.R. Co. loan, 
Delaware Railroad Co. M. loan, . 
W. Pennsylvania Railroad Co. loan, . 
Chicago and W. Indiana R R., Co. loan, 
New York and Long Branch Railroad loan 
Northern Pacific Railroad Co., loan, . 
American Steamship Co. of Phila. loan, 
Schuylkill Navigation Co. loan, . 
Lehigh Coal and Navigation Co. loan, 
Chesapeake and Dela. Canal Co. loan, 
Delaware Division Canal Co. loan, 
The Pennsylvania Co. loan, 
The Car Trust of Pennsylvania loan, . 
The New Jersey Car Trust loan, 
The Central New Jersey Car Trust loan, 
The N. Y. and Pacific Car Trust loan, . 
Car Trust of New York No. 2 loan, . 
Central R.R. Co. of New Jersey Car Trust, 
N. Y., Penn. and Ohio Car Trust loan, 
Iron Mountain Car Trust loan, . 
Colorado Rolling Stock Trust, 
Harrisburg city loan, .... 
St. Louis city loan, .... 
Camden county loan, .... 
Cincinnati city loan, .... 
Pittsburgh city loan, .... 
Newark city loan, .... 

200 shares Philadelphia National Bank, 
20 " Manayunk Gas. Co., . 



Par value. 

550,000 00 
59,021 00 
20,000 00 
40,000 00 
20,000 00 
55,000 00 
25,000 00 
10,000 00 
24,000 00 
15,000 00 

4,000 00 
30,000 00 
25,000 00 
40,000 00 
15,000 00 
20,700 00 
49,000 00 
10,000 00 
20,000 00 
17,000 00 
33,000 00 
10,000 00 
14,000 00 
72,000 00 
26,000 00 
30,000 00 
20,000 00 

8,000 00 
20,0J0 00 
18,000 00 
25,000 00 
12,000 00 
53,000 00 
60,000 00 
20,000 00 
20,000 00 

1,000 00 



Market value. 

$53,000 00 
66,590 00 
14,200 00 
42,200 00 
20,600 00 
65,780 00 
29,250 00 
12,100 00 
30,240 00 
17,250 00 

4,240 00 
33,000 00 
25,750 00 
42,200 00 
15,750 00 
19,256 00 
51,870 00 

8,800 00 
20,000 00 
18,105 00 
33,000 00 
10,000 00 
14,000 00 
72,000 00 
26,000 00 
30,000 00 
20,000 00 

8,000 00 
20,000 00 
21,240 00 
28,750 00 
13,200 00 
69,550 00 
72,560 00 
22,950 00 
43,000 00 

1,000 00 



$1,604,721 00 $1,744,871 00 



Securities held as collateral for cash loans 

65 shares Pennsylvania Railroad Co., . 

3 " Insurance Co., State of Penn., 
1,000 shares Germantown Pass. RE. Co., . 
200 " Pennsylvania Railroad Co., . 

50 " Northern Central Railroad Co , 
Phila. and Erie Railroad Co. bonds, . 
400 shares Lehigh Coal and Navigation Co., 



Market value. Loaned thereon. 



$3,900 00 
990 00 
70,000 00 
12,000 00 
2,875 00 
14,950 00 
15,400 00 



$2,800 00 

700 00 

50,000 00 

25,000 00 

12,800 00 



294 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 






Delaware and Raritan Canal Co., bonds, 
New Orleans Pacific Railroad Co. bonds, 
Hannibal and St. Jo. Railroad Co. bonds, 
Texas and Pacific Railroad Co. bonds, 
Northern Pacific Railroad Co. bonds, . 
200 shares Pennsylvania Railroad Co . 
800 " Lehigh Coal and Navigation Co., 
Phila. and Reading Railroad Co. bonds, 



Summary of Assets Dec. 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (net), 

Gross assets, 

Deduct special deposits in other States, 



Market value. Loaned thereon. 

$2,000 00 "J 

1,760 00 | 

2,000 00 }• $45,000 00 

4,550 00 j 
42,000 00 j 

12,000 00 10,000 00 

11,550 00 10,000 00 

6,720 00 5,000 00 



Balance, 



Liabilities. 

Total amount of losses unpaid, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 

Gross liabilities, except capital, . 
Deduct liabilities on special deposits, 

Surplus as regards policy-holders, 
Paid-up capital, 



$202,695 00 $161,300 00 

31, 1882. 

$115,000 00 

202,570 00 

3,764 47 

1,744,871 58 

161,300 00 

126 09 

18,363 28 . 

680 17 
55,269 99 



$2,301,945 58 
20,600 00 

$2,281,345 58 



$68,709 78 
430,115 87 
440,493 74 

^939,319 39 
7,500 00 



$805,511 08 
83,700 36 



Surplus over capital, 

Income. 
Cash received for fire premiums, . 
Deduct reinsurance and return premiums, 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Income from perpetuate, 

Deposits received for perpetual fire risks, . $17,777 63 

Gross cash income, 



931,819 39 

. $1,349,526 19 
400,000 00 



$949,526 19 



$721,810 72 

12,157 51 

91,061 56 

250 00 

656 26 

$825,936 05 



* Totnl value of property mortgaged, 
Amount of insurance held ae collateral, 



$M8,. 100 00 
179,000 00 



1882.] 



INS. COS. OF OTHER STATES. 



295 



Expenditures. 

Cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 
for State and local taxes, 

Loss on securities sold, .... 

Deposits returned on perpetual fire risks, . 

Gross cash expenditures, 



$13,453 82 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, .... 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 
Perpetual risks in force, 



$64,683,973 00 
. 70,122,743 00 

$134,806,716 00 
. 63,848,052 00 



$70,958,664 00 
. 2,108,894 00 



$68,849,770 00 
18,051,482 00 



$448,113 02 

40,000 00 

116,711 78 

115,707 28 

18,836 33 

828 83 

$740,197 24 



Premiums. 

$747,313 81 
804,909 59 

11,552,223 40 
701,321 46 

$850,901 94 
25,087 32 

$825,814 62 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, 
Company's stock owned by directors, 



$10,041,114 00 

6,693,420 00 

2,099,000 00 

40,000 00 

463,494 78 

58,600 00 



PEOPLE'S FIRE INSURANCE COMPANY OF THE CITY OF 

NEW YORK, N. Y. 

[Incorporated, 1851. Commenced business April 23, 1851.] 

Paid-up Capital, $200,000. 

F. V. Price, President. A. C. Milne, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

United States bonds, $179,000 00 



Union Pacific Railroad bonds, 
120 shares Union Pacific Railroad, 
Northern Pacific Railroad bonds, 
Kansas Pacific Railroad bonds, . 
Int. and Great No. Railroad bonds, 



20,000 00 
12,000 00 
10,000 00 
20,000 00 
10,000 00 



Market value. 

$216,205 00 
23,150 00 
13,500 00 
10,200 00 
20,000 00 
8,500 00 



296 FIRE, MAEINE, AM) FIKE-MARINE [Dec. 31, 



100 shares N. Y. Cent, and Hud. R. R.R., 
100 " National Bank of Commerce, 
100 " People's Bank, . 
5 " Second Avenue Railroad, . 



Par value. 

$10,000 00 

10,000 00 

2,500 00 

500 00 



Market value. 

$12,650 00 

14,500 00 

3,750 00 

875 00 



$274,000 00 $323,330 00 



Securities held as collateral for cash loans : 

40 shares American Mer. U. Express Co., . 
8 " Mechanics' National Bank, . 



Summary of Assets Dec. 

Loans on mort. of real estate (first liens*), . 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums In course of collection (gross) , . 
Premiums more than 3 mos. due, $73 09 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, etc., 
State and local taxes, .... 
Commissions and brokerage, 

Gross liabilities except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



Market value. Loaned thereon. 

$3,600 00 $3,000 00 
280 00 125 00 



$3,880 00 $3,125 00 

31, 1882. 

$16,500 00 

495 00 

323,330 00 

3,125 00 

500 70 

7,611 03 

4,340 65 

11,833 27 

$367,735 65 



$940 00 


9,786 


00 


2,500 


00 


54,008 


49 


700 


00 


500 


00 


2,011 


65 



70,446 14 



$297,289 51 
200,000 00 

$97,289 51 



Surplus over capital, 

Income. 
Cash received for fire premiums, . . . $118,754 35 
Deduct reinsurance and return premiums, . 10,716 63 

Net cash received for fire premiums, . . $108,037 72 

Interest received on bonds and mortgages, . . . 900 00 

Interest and dividends received from all other sources, . 13,783 51 
Income from rents, 946 44 

Gross casli income, $123,667 67 



' Value of lands mortgaged $30,000 00 

Value of buildings thereon, 21,500 00 

Amouut of iusurance held as collateral, . . 14,200 00 



1882.] 



INS. COS. OF OTHER STATES. 



297 



Expenditures. 

rash paid for fire losses, .... 

Deduct salvage and reinsurance, . 

Net cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, 

for incidentals, .... 



151,407 99 
1,195 03 



$50,212 96 

20,000 00 

20,058 64 

9,852 61 

3,391 09 

10,355 76 



Gross cash expenditures, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total 

Deduct risks expired and terminated, 

Tn force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$12,228,773 00 
16,113,976 00 



$28,342,749 00 
14,566,027 00 



$13,776,722 00 
312,223 00 



$113,871 06 



Premiums. 

$90,241 98 
119,955 40 

$210,197 38 
102,308 45 



$107,888 93 
2,876 76 



$13,464,499 00 $105,012 17 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



12,012,692 89 

994,211 04 

458,000 00 

20,000 00 

54,836 70 

50,500 00 



PHENIX INSURANCE COMPANY, BROOKLYN, N. Y. 

[Incorporated Sept. 10, 1853. Commenced business Sept 10, 1853.] 

Paid-up Capital, $1,000,000. 

Stephen Crowell, President. Philander Shaw, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Tennessee state bonds, . 
North Carolina state bonds, . 
Mississippi state warrants, . 
Virginia deferred certificate, 
Kings county bond, 
Brooklyn city bond, 



Par value. 

>700,000 00 
45,000 00 
10,000 00 
20,000 00 
14,772 33 
1,000 00 
21,000 00 



Market value.- 

$828,250 00 

21,600 00 

3,300 00 

20,000 00 

2,659 00 

1,010 00 

28,200 00 



298 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Tar value. 

958 shares Citizens 1 Gas Light Co., B'klyn, . $19,160 00 

Nassau Gas Light Co. certificates, B'klyn, . 17,000 00 

900 shares Nassau Gas Light Co., B'klyn, . 22,500 00 

210 " N. Y. Mutual Gas Light Co., . 21,000 00 

New York Mutual Gas Light Co. bonds, . 37,000 00 

People's Gas Light Co., Brooklyn, bonds, . 62,000 00 

295 shares People's Gas Light Co., B'klyn, 2,950 00 

440 " Brooklyn Gas Light Co., . . 11,000 00 

126 " New York Gas Light Co., . 12,600 00 

65 " Union Ferry Company, . . 6,500 00 

3024 " Brooklyn City R. R. Co., . . 30,240 00 

100 " Central Park N. and E. R.R. Co., 10,000 00 

100 " Ninth Av. R.R. Co., . . . 10,000 00 

100 " Christopher & Tenth St. R.R. Co., 10,000 00 

50 " Broadway & Seventh Av. R.R. Co., 5,000 00 

50 « Second Av. R.R. Co., . . 5,000 00 

80 " Commercial Bank, Brooklyn, . 4,800 00 

13 " Merchants' Nat'l Bank, N. Y., . 650 00 

500 " Metropolitan Nat'l Bank, N. Y., 50,000 00 

500 " Am. Exch. Nat'l Bank, N. Y., . 50,000 00 

200 " Central Nat'l Bank, N. Y., . 20,000 00 

50 " Nat'l Shoe and L. Bank, N. Y., . 5,000 00 

100 " St. Nicholas Bank, N. Y., . . 10,000 00 

75 " Nat'l B'k of the Republic, N.Y., 7,500 00 

87 " Nat'l Bank of Commerce, N. Y., 8,700 00 

200 " Fourth Nat'l Bank, N. Y., . . 20,000 00 

40 " Mechanics' Nat'l Bank, N. Y., . 1,000 00 

250 " Mechanics' Bank, Brooklyn, . 12,500 00 

80 " National City Bank, Brooklyn, . 4,000 00 

Houston and Texas R.R. bonds, . . . , 3,000 00 

Long Island R.R. bonds, .... 100,000 00 

250 shares Brooklyn Trust Co., . . . 6,250 00 



Market value. 

$14,370 00 
17,000 00 
13,500 00 
22,470 00 
38,480 00 
65,640 00 

1,416 00 
12,100 00 
14,238 00 
11,375 00 
66,528 00 
15,000 00 

9,000 00 
11,650 00 

7,500 00 

9,025 00 

5,640 00 

845 00 

85,000 00 

65,000 00 

25,000 00 

6,750 00 
12,500 00 
10,875 00 
13,311 00 
25,000 00 

1,500 00 
27,500 00 
10,880 00 

3,540 00 
97,500 00 
10,937 50 



$1,397,122 33 $1,636,089 50 



Securities held as collateral for cash loans : — 



16 " Mechanics' Fire Ins. Co., B'klyn, 
40 " Mechanics 1 Bank, Brooklyn, 
4 " Nat'l Shoe & Leather Bank, N.Y., 
130 " Union Trust Company, N. Y., . 
16 " Nat'l Shoe & Leather Bank, N Y., 
25 " Lamar Ins. Co., N. Y., 
50 " Firemen's Trust Ins. Co., B'klyn, 

7 " Market National Bank, N. Y., . 
People's Gas Light Co., Brooklyn, bonds, . 

30 shares Standard Fire Ins. Co., N. Y., . 

8 " Home Fire Insurance Co., N. Y., 
50 " Hamilton Fire Ins. Co., N. Y., . 



Market value. Loaned thereon. 



20 shares Montauk Fire Ins. Co., Brooklyn, $1,150 00 -\ 



1,200 00 ' 



4,400 00 

540 00 J 

37,700 00 \ 

2,160 00 

2,000 00 J 

525 00 ) 

945 00 S 

16,050 00 

1,650 00 

1,200 00 

900 00 



J- $5,580 00 



> 



20,000 00 



1,100 00 

8,700 00 
1,200 00 

1,500 00 



1882.] 



INS. COS. OF OTHER STATES. 



299 



5 shares Am. Exch. Fire Ins. Co., N. Y., 
30 " Citizens 1 Hank, N. Y., . 
25 " Hanover Natfl Bank, N. Y., 
5 " Norwich and Worcester R.R. Co. 
5 " ( hie., Burl, and Quincy R.R. Co. 
87 " Manhattan Fire Ins. Co., N. Y., 
150 4t Brooklyn City R.R. Co., . 
20 " Commercial Fire Ins. Co., N. Y. 
N. Y., Chic, and St. Louis R.R. Co. cert., 
100 shares Metropolitan Nat'l Bank, N. Y., 
Chicago and N. W. R.R. Co. bonds, . 
16 shares Central Nat'l Bank, N. Y., . 
East Tenn., Va. and Ga. R.R. bonds, . 
Detroit, Mac. and M. R.R. bonds, . 
Nashville, Chatt. and St. Louis R.R. bonds, 
225 shares Atlantic State Bank, Brooklyn, 
20 '• Central Park Fund, City of N.Y 
24 " Mechanics 1 Natl Bank, N. Y., 
40 " Williauisburgh Fire Ins. Co., 



Market value. 

$550 00 

825 00 >| 
3,375 00 I 
500 00 J 
695 00 
5,220 00 
3,300 00 
1,000 00 
68,050 00 ) 
17,000 00 S 
116,100 00 
1,875 00 
36,500 00 > 
46,250 00 
18,000 00 
40,500 00 
2,200 00 
900 00 
5,000 00 



Loaned thereon. 

$400 00 
3,000 00 

500 00 
4,000 00 
1,500 00 

350 00 

50,000 00 

100,030 00 
1,000 00 



)■ 100,000 00 

J 

£ 1,000 00 
4,000 00 



$428,200 00 $303,830 00 



Summary of Assets Dec. 31, 1882.* 

Cash value of unencumbered real estate, . $384,750 00 

Loans on mort. of real estate (first liensf), 298,000 00 

Interest due or accrued thereon, . . . 5,371 90 

Stocks, bonds, etc, as per schedule, . . 1,636,089 50 

Loans on collateral security, as per schedule, 303,830 00 

Cash in the office of the company, . . 581 40 

Cash deposited in bank, .... 256,042 84 

Interest due and accrued, .... 4,082 63 

Premiums in course of collection (gross), . 396,662 06 

Notes taken for marine and inland risks, . 4,815 06 

Rents due and accrued, .... 3,533 21 

Reinsurance due, 1,568 00 

Gross assets, 

Deduct special deposits in other States, 



Balance, 



$3,295,326 60 
247,287 50 

$3,048,039 10 



* The company holds, also, instalment premium notes to the amount of $354,828 91, which 
do not enter into nor form any part of the assets of the company, as no portion of them is 
earned. Whatever value is attached to them would necessarily be counterbalanced by the 
addition of an exactly equal amount to the reinsurance liability, the entire sum consisting of 
" unearned premiums." 



t Value of lands mortgaged, . . . $225,300 00 

Value of buildings thereon, . . . 345,100 00 
Amount of insurance held as collateral, , 295,900 00 



300 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 
Return premiums, .... 

Gross liabilities except capital, 
Deduct liabilities on special deposits, . 



$18,117 90 

158,179 C9 

15,393 45 

1,448,815 89 

2,733 33 

7,501 33 

110 41 

$1,650,852 00 
56,931 00 



1,593,921 00 



Surplus as regards policy holders, 
Paid-up capital, 



. $1,454,118 10 
. 1,000,000 00 



Surplus over capital, 



§454,118 10 



Income. 



Cash received for fire premiums, 



1,474,698 57 



Deduct reinsurance and return premiums, . 338,512 87 

Net cash received for fire premiums, . . $2,136,185 70 

Cash received for marine and inl'd prem's, $450,798 07 
Deduct reinsurance and return premiums, . 90,873 17 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends rec'd from all other sources, . 

Income from rents, 



Gross cash income, 



$360,424 90 

11,047 88 

89,583 40 

9,897 34 



. $2,607,139 22 



Expenditures 

Cash paid for fire losses, .... 
Cash paid for marine and inland losses, 
Deduct salvage and reinsurance, . 
Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employ6s, 

for State and local taxes, . 

for loss on securities sold, . 

for incidentals, .... 



$418,090 67 
135,853 62 



$937,362 43 



282,237 05 
100,000 00 
436,177 32 
187,676 70 
40,003 15 
28,214 13 
177,032 81 



Gross cash expenditures, 



$2,188,703 59 



1882.] INS. COS. OF OTHER STATES. 301 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1881, . $205,151,151 00 $2,065,525 49 
Fire risks written daring 1882, . . 0,486,075 00 2,478,059 51 



Total $464,637,226 00 $4,543,585 00 

Deduct risks expired and terminated, . 208,155,993 00 1,898,751 30 

In force at end of year, . $256,481,233 00 $2,644,833 70 
Inct amount reinsured 7,123,576 00 72,935 67 



Net amount in force, . . . $249,357,657 00 $2,571,898 03 

Marine risks outstanding Dec. 31, 1881, . $8,605,255 00 $36,748 37 
Marine risks written during 1- . .91,828,42100 464,317 98 



Total, $100,433,676 00 $501,066 35 

Deduct risks expired and terminated, . . 90,664,465 00 452,110 35 



In force at end of year, . . . .$9,769,21100 $48,956 00 



Miscellaneous. 
Premiums received from organization of company, . $37,268,970 20 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



1 1 ,328 50 

2,414,000 00 

100,000 00 

968,105 48 

7,082 11 

127,750 00 



PHCENIX INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated May, 1854. Commenced business June, 1854.] 

Paid-up Capital, $2,000,000. 

H. Kellogg, President. D. W. C. Skelton, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par valne. Market value. 

1,024 shares Hartford Nafl Bank, Hartford, $102,400 00 $184,320 00 

439 " Farm. &Mec.Nat , lB'k, " 43,900 00 62,338 00 

800 " Mercantile Nafl Bank, " 80,000 00 108,000 00 

1(52 " Charter Oak Nafl Bank, " 16,200 00 23,490 00 

200 " City National Bank, " 20,000 00 18,400 00 

300 " .Etna National Bank, " 30,000 00 40,500 00 

726 " Phoenix National Bank, " 72,600 00 128,139 00 

100 " Connecticut River Bank, " 5,000 00 5,250 00 

192 " State Bank, " 19,200 00 21,120 00 

1,000 " American Nat'l Bank, " 50,000 00 75,000 00 

324 " Nat'l Exchange Bank, " 16,200 00 25,272 00 

250 " Hartford Trust Co., * 25,000 00 27,500 00 



302 FIRE, MARINE, AND FIEE-MARINE [Dec. 31, 



100 shares Metropolitan Nat'l Rank, N. Y, 
180 " Merch. Ex. Nat'l Bank, N. Y., 
75 " Nat'l Shoe & Leather B'k, N.Y. 
150 " Central Trust Co., N. Y., . 
200 " New Britain National Bank, 
400 " Waterbury National Bank, 
112 " First Nat'l Bank, Wallingford 
100 " Citizens' Nat'l Bank, Cin., 
250 M Metropolitan Nat'l Bank, Cin. 
100 " Queen City Nat'l Bank, Cin., 
75 " Imperial Bank, Toronto, Ont 
479 " Holyoke Water Power Co., 
1,000 " N Y., N. H. & H. R. R. Co, 

250 " Rensselaer & Saratoga R.R. Co 
1,000 " Chicago, R. I. & P. R.R., . 
1,200 " Chicago, Burl. & Quincy R.R. 
500 " Cleveland & Pittsburg R.R, 
50 " Pitts. F. W. & Chic. R.R, 
500 " N. Y. Cent. & Hudson R. R.R. 
500 " Illinois Central R.R, 
120 " Hartford & Conn West. R.R, 
United States " consols of 1907," 4s, , 
United States bonds. 4^s, 
South Carolina " consols," 6s, 
Tennessee state bonds, 6s, . 
Mississippi state bonds, 4s, . 
Hartford city bonds, 6s, ... 
Detroit city bonds, 7s, . 
San Francisco bonds, 6s and 7s, . 
Jacksonville, 111, bonds, 8s, 
New Britain town bonds, 5s, 
Washington School Dist. of Hartf. bonds, 5s 
Hannibal, Mo, school bonds, 7s, . 
Avondale, Ohio, town bonds, 6s, . 
Atlantic Dock Co. bonds, 5s, 
Contra Costa Water Co. bonds, 8s, 
Indianapolis and Cin. R.R. bonds, 7s, . 
Harlem R. & Port Chester R.R. bonds, 7s, 
Chic. & N Western Railway S. F, 5s, 
Erie Railway first mortgage consols, 7s, 
Cedar Rapids, I. Falls & N. W. R'y, 6s, 
Columbus & Western R.R. bonds, 6s, . 
Chicago & Western Ind. R R. bonds, 6s, 
Columbia & Greenville R.R. bonds, 6s, 
( hie., P.. ft Q. R.R. Co. (Den. Ext'n) bonds, 4s, 
Minneapolis Union Railway Co. bonds, 6s 
New York, Lack. & Western R.R. bonds, 6s 



Par value. 

$10,000 00 

9,000 00 

7,500 00 

15,0C0 00 

20,000 00 

20,000 00 

11,200 00 
10,000 00 
25,000 00 
10,000 00 
7,500 00 
47,900 00 

100,000 00 
25,000 00 

100,000 00 

120,000 00 
25,000 00 
5,000 00 
50,000 00 
50,000 00 
12,000 00 

100,000 00 
1,200 00 
17,551 37 
21,000 00 
20,000 00 
10,000 00 
50,000 00 
19,000 00 
50,000 00 

100,000 00 
15,000 00 
20,000 00 
16,000 00 
75,000 00 
25,000 00 
51,000 00 
50,000 00 
50,000 00 

100,000 00 
50,000 00 

100,000 00 
60,000 00 
50,000 00 
20,000 00 
50,000 00 
50,000 00 



Market value. 

$17,000 00 
8,460 00 
10,125 00 
33,600 00 
30,000 00 
37,000 00 
11,536 00 
16,000 00 
33,750 00 
11,200 00 
10,125 00 
110,170 00 
184,000 00 
36,250 00 
127,750 00 
146,400 00 
34,750 00 
6,800 00 
64,000 00 
71,000 00 
6,600 00 
120,500 00 
1,356 00 
18,428 93 
9,870 00 
21,000 00 
10,300 00 
59,000 00 
21,280 00 
58,500 00 
105,000 00 
15,450 00 
21,000 00 
16,640 00 
77,250 00 
28,000 00 
57,120 00 
67,500 00 
55,000 00 
130,000 00 
53,500 00 
107,000 00 
67,200 00 
52,500 00 
17,400 00 
54,500 00 
54,000 00 



$2,331,351 37 $3,025,139 93 



1882.] 



INS. COS. OF OTHER STATES. 



303 



Securities held as collateral for cash loans : — 



123 shares N. Y., N. H. & Hartford R.R. Co. 

92 " Adams Express Company, . 
311 " Travelers Insurance Co., . 

40 " Holyoke Water Power Co., 

50 " Mercantile National Bank, H'ft'd 
170 " Dayton and Mich. R.R. Co., pref. 

25 " ^Etna Life Ins. Co., Hartford, 
5 " Farm's' & Mechanics' Nat'l Bank 

95 " Hartford Carpet Co., . 

32 " Lake Shore & Mich. So. R.R. Co. 
203 " Willimantic Linen Company, 

47 " First Nat'l Bank, Suffield, Conn. 

30 " Shaler & Hall Quarry Co., Portl'd 

30 " Chic, Rock I. & Pacific R.R. Co. 

25 " National Park Bank, N. Y., 

7 " Hartford National Bank, 
620 " Russell & Erwin Manuf. Co., 
400 " Willimantic Linen Co., 
480 " Seth Thomas Clock Co., . 
Shenandoah Valley R.R. bonds, 7s, 

" 6s, gold, 
United States $1,000 bonds, 1881, extended 
Chicago & N. W. R.R. $1,000 bond, . 
Ulster & Delaware R.R. Co. bond, 
Union Pacific R.R. sinking fund bond, 
New Mexico & So. Pacific R.R. § 1,000 bond 
11 shares Home National Bank, Meriden 

16 " Meriden National Bank, 
10 " Union Pacific R.R. Co., 

2 " National New Haven Bank, 
2 " Chicago, Burl. & Quincy R.R., 
10 " Hartford S. B. Insp. and Ins. Co. 
200 " Mechanics' Nat'l Bank, N. Y., 

8 " Hurlbut Nat'l Bank, Winsted, 
80 " Willimantic Linen Co , 
30 " New York & Harlem R.R. Co , 

1 " Hartford Carpet Co , . 

2 Ind. & Cin. R.R Co. bonds, . 
8 shares Hartford Carpet Co., . 

17 " Holyoke Water Power Co , 
100 " Central Pacific R.R. Co., . 
200 " Meriden Gas Light Co., 
150 " Home Nat'l Bank, Meriden, 
200 " Billings & Spencer Co., 

50 " Corp. of P. & F. Corbin, N. B., Conn, 
30 " Jewell Pin Co., . . . 
50 " Southern N. E. Telephone Co., 



Market value. 

$22,755 00 

12,328 00 

77,750 00 

9,200 00 

6,750 00 

10,200 00 

4,250 00 

710 00 

23,275 00 

3,712 00 

16,037 00 

4,841 00 

7,500 00 

3,840 CO 

3,850 00 

1,260 00 

77,500 00 

31,600 00 

15,000 00 

32,550 00 

4,750 00 

2,020 00 

1,080 00 

1,000 00 

1,117 00 

2,260 00 

1,320 00 

1,920 00 

1,025 00 

320 00 

248 00 

700 00 

7,350 00 

1,200 00 

6,320 00 

3,000 00 

245 00 

2,240 00 

1,960 00 

3,910 00 

8,650 00 

5,500 00 

18,000 00 

7,000 00 1 



Loaned thereon. 


$7,569 00 


4,050 


00 


42,340 


00 


4,680 


00 


2,880 


00 


4,713 


28 


2,430 


00 


540 00 


3,930 


00 


1,000 


00 


12,470 


00 


1,000 


00 


3,000 


00 


2,340 


00 


3,420 


00 


210 


00 


71,290 00 


4,000 


00 


30,690 


00 


650 00 


1,000 


00 


900 


00 


1,800 


00 


2,250 00 



} 



1,350 00 

6,970 00 
800 00 

6,750 00 

6,750 00 

5,000 Oo 
18,000 00 



2,500 00 
3,000 00 
5,250 00 j 



)> 10,000 00 



304 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



5 shares Michigan Central R.R. Co., 

10 " Hartford S. B. Insp. and Ins. Co., 

33 " Merchants 1 Nat'l Bank, Norwich 

16 " Windham National Bank, . 

9 " American Screw Co., . 

50 " Pratt & Whitney Co., . 

150 " Weed Sewing Machine Co., 

800 " N. Y. Cent. & Hudson R. R.R. Co 

240 " Landers, Frary & Clark, 

50 " Southern N. E. Telephone Co., 

300 " Mo. Pacific R.R, Co., . 

400 " Western Union Telegraph Co., 



Market value. Loaned thereon. 

§508 00 "J 

700 00 ' 

1 8W? 00 

2,080 oc ; 

2,700 00 1 

5,400 00 j 

2,700 00 J 

102,400 00 

10,800 00 

5,250 00 

30,450 00 

32,600 00 



>,900 00 



88,000 00 
10,000 00 

50,000 00 



$655,767 00 $422,672 28 



Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $178,255 31 
Loans on mortgage of real estate (first liens*) , 1 6 1 ,380 00 
Interest due or accrued thereon, . . . 4,095 40 

Stocks, bonds, etc., as per schedule, . . 3,025,139 93 
Loans on collateral security, as per schedule, 422,672 28 
Cash in the office of the company, . . 37,111 71 
Cash deposited in various banks, . . . 397,939 76 
Interest due and accrued, .... 7,283 47 

Premiums in course of collection (gross), . 243,180 11 
Rents due and accrued, .... 1,025 34 

Gross assets, 

Deduct special deposits in other States, .... 



Balance, 



$4,478,083 31 
129,450 00 

$4,348,633 31 



Liabilities. 

Losses adjusted, unpaid, . . . ^ 

t i • a i * a > $183,439 48 

Losses claimed and reported, . / * ' 

Losses disputed or resisted, .... 5,550 00 

Unearned premiums on outstanding risks, . 1,130,075 39 

Commissions and brokerage, . . . 31,875 00 

Gross liabilities, except capital, . . $1,350,939 87 
Deduct liabilities on special deposits, . . 33,512 65 

1,317,427 22 

Surplus as regards policy-holders, . . .$3,031,206 09 
Paid-up capital, 2,000,000 00 

Surplus over capital, $1,031,206 09 

* Vnlue of lands mortgaged $216,000 00 

Value ot building! thereon, 148,000 00 

Amount of insurunce held as collateral, . . . 79,000 00 



1882.] 



INS. COS. OF OTHER STATES. 



305 



Income. 
Cash received for fire premiums, . . $1,941,944 51 

Deduct reinsurance and return premiums, . 117,094 62 

Net cash received for fire premiums, . . $1,824,849 89 

Interest received on bonds and mortgages, . . . 10,071 58 

Interest and dividends received from all other sources, . 192,957 02 
Income from rents, 3,225 17 



Gross cash income, 

Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, . 



. $2,031,103 66 



$1,113,390 47 

2X0,000 00 

291,281 80 

85,658 25 

53,288 18 

142,913 37 

$1,966,482 07 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 



Risks and Premiums. 

Premiums. 

$172,646,874 00 $1,972,060 66 
171,042,778 00 1.941,944 51 



Total 

Deduct risks expired and terminated, 

In force at end of year, 



$343,689,652 00 $3,!) 14,005 17 
154,840,623 00 1,794,948 37 



$188,819,029 00 $2,119,056 80 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (14 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$27,815,621 15 

16,481,334 14 

3,015,000 00 

280,000 00 

1,145,560 18 

179,100 00 



PROVIDENCE WASHINGTON INSURANCE COMPANY, 
PROVIDENCE, R. I. 

[Incorporated 1799. Commenced business 1799.] 

Paid-up Capital, $400,000. 

J. H. De Wolf, President. J. B. Branch, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $200,000 00 $247,535 00 

Union Pacific Railroad bonds, . . . 10,000 00 11,400 00 

Boston city bonds, 30,000 00 38,700 00 



306 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



N. Y., Prow, and Boston Railroad bonds, 
Rennselaer and Saratoga Railroad bonds, 
Host m, Clinton and Fitchburg R. R. bonds, 
Metropolitan Elevated Railroad bonds, 
N Y. Mut. Gas Light Company bonds, 
8. B Buckner (city of Chicago) bonds, 
50 shares Nat'l B'k of Commerce, N. Y., 
210 " N. Y. Mut. Gas Light Co., 
800 " American Nat'l B'k, Pro v., 
1,600 " Bl'kst'ne Canal ffat'l B'k, Prov. 
300 " Commercial N.il'l B'k, Prov., 
200 " Lime Rock Nat'l B'k, Prov., 
500 " Merchants' Nat 1 ! B'k, Prov., 
200 " Mechanics 1 Nat'l B'k, Prov., 
300 " Nat'l B'k of N. America, Prov 
300 " Nat'l B'k of Commerce, Prov 
200 " Weybosset Nat'l Bank, Prov., 
500 " Providence Gas Company, 
50 " Bath Gas Light Company, 
210 " Chic, Burl, and Qnincy R.R., 
220 " Chicago and Alton Railroad, 
What Cheer Corp. (real estate), Prov., 
Rhode Island Hospital Trust Co. account, 



Par value. 

121,000 00 
1^,000 00 

2,000 00 
10,000 00 

9,000 00 
45,000 00 

5,000 00 
21,000 00 
40,000 00 
40,000 00 
15,000 00 
10,000 00 
25,000 00 
10,000 0) 
15,000 00 
15,000 00 
10,n(X) 00 
25,000 00 

5,000 00 
21,000 00 
22,000 00 
20,000 00 
13,000 00 



Market value. 

$27,510 00 
16,800 00 

2,200 00 
10,000 00 

9,360 00 
45,000 00 

7,550 00 
22,260 00 
44,800 00 
40,f'00 00 
16,2 »0 00 
11,000 00 
35,000 00 
14,400 00 
21,000 00 
17,100 00 
13,000 00 
32,000 00 

5,000 00 
25,620 00 
29,700 00 
20,000 00 
13,000 00 



Summary of Assets Pec. 

Stocks, bonds, etc., as per schedule, 

Cash in the office of the company, 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 

Notes taken for marine and inland risks, 

Reinsurance due, 

Premiums more than 3 mos. due, $177 08 

Gross assets, ..... 
Deduct special deposits in other States, 



$651,000 00 $776,135 00 

31, 1882. 

$776,135 00 

2,092 28 

39,687 93 

2,149 17 

73,414 92 

112,778 99 

1,105 92 



$1,007,364 21 
25,000 00 



Balance, $982,364 21 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, . 
L'-ss reinsurance, . 

Net amount of unpaid losses, 



$2,742 91 

121,322 65 

8,089 98 



1132,155 54 

25,731 18 



$106,424 36 






1882.] 



INS. COS. OF OTHER STATES, 



307 



Unearned premiums on outstanding risks, . $366,888 63 
Dividends to stockholders unpaid, . . 277 90 



Gross liabilities, except capital, . . $173,590 89 
Deduct liabilities on special deposits, . . 3,197 14 



Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 

Income. 

Cash received for fire premiums, . . . $462,932 19 

Deduct reinsurance and return premiums, . 75,303 75 

Net cash received for fire premiums, . . 

Cash received for marine and inl'd prem's, . $570,869 44 

Deduct reinsurance and return premiums, . 139,903 52 

Net cash rec'd for marine and inPd prem's, . 

Interest and dividends received from all sources, 

Gross cash income, 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, . 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance,. 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, 

Risks and Premiums. 



$268,088 82 
21,697 16 



$367,574 10 
42,265 40 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



$33,078,139 00 
56,837,387 00 



$89,915,526 00 
40,445,257 00 



$49,470,269 00 
3,925,175 00 



$470,393 75 



$511,970 46 
400,000 00 

$111,970 46 



$387,628 4 4 



430,965 92 
48,207 16 



$866,801 52 



$246,391 66 



325,308 70 
32,052 40 

124,450 73 
19,635 23 
13,964 92 
55,474 38 

$817,278 02 



Premiums. 

$352,103 16 
470,538 13 

$822,641 29 
333,851 99 

$488,789 30 
39,384 55 



Net amount in force, 



$45,545,094 00 $449,404 75 



308 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$3,388,106 00 
62,863,915 00 



$06,252,021 00 
60,832,671 00 



$5,419,350 00 
978,616 00 



$114,631 21 
630,632 90 

$745,264 11 
591,125 01 

$154,139 10 
22,560 26 



$4,440,734 00 $131,578 84 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$7,797,577 74 

4,219,003 65 

1,746,563 39 

32,000 00 

249,985 79 

329,070 26 

50,950 00 



ROCHESTER GERMAN INSURANCE COMPANY, ROCHESTER 

N. Y. 

[Incorporated Feb. 16, 1872. Commenced business Feb. 23, 1872.] 

Paid-up Capital, $200,000. 

Frederick Cook, President. Henry Norden, Secretary. 



Summary of Assets Dec. 31, 1882. 



Cash value of unencumbered real estate, 
Loans on mort. of real estate (first liens), 
Interest due and accrued thereon, 
United States bonds, .... 
Rochester city bonds, .... 
( ash in the office of the company, 
('ash deposited in bank, 

Interest accrued, 

Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, 



$1,904 82 

239,085 00 

6,296 03 

115,406 25 

28,400 00 

370 15 

77,508 71 

253 12 

35,287 46 



$504,511 54 
23,875 00 



Balance, 



180,636 54 



1882.] 



INS. COS. OF OTHER STATES. 



309 



Liabilities. 

Losses adjusted, unpaid, .... $2,802 00 

claimed and reported, . . . 17,564 00 

Unearned premiums on outstanding risks, . 157,778 64 

Commissions and brokerage, . . . 2,270 00 

Gross liabilities, except capital, . . $180,414 64 
Deduct liabilities on special deposits, . . 16,426 94 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 

Income. 
Cash received for fire premiums, . . . $340,818 43 
Deduct reinsurance and return premiums, . 60,170 12 

Net cash received for fire premiums, . . 

Cash rec'd for marine and inl'd premiums, . 
Interest received on bonds and mortgages, . . . 
Interest and dividends received from all other sources, 
Income from rents, 



Gross cash income, .... 

Expenditures. 
Cash paid for fire losses, .... $185,495 57 

Deduct salvage and reinsurance, . . . 1,353 33 

Net cash paid for fire losses, . . . 

Cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total, 

Deduct risks expired and terminated, . 



$26,662,958 CO 
33,728,473 00 



,391,431 00 
30,616,735 00 



$29,774,696 00 
563,367 00 



$163,987 70 



$316,648 84 
200,000 00 



$116,648 84 



$280,648 31 

939 88 

16,297 54 

5,010 65 

32 25 



$302,928 63 



$184,142 24 
193 00 
16,000 00 
56,317 07 
12,361 45 
10,040 60 
16,662 17 

$295,716 53 

Premiums. 

$276,366 74 
343,998 45 



$620,365 19 
308,232 64 



$312,132 55 
7,290 09 



$29,211,329 00 

. $103,100 00 
58,985 00 


$304,842 46 

$1,110 15 
362 38 


$162,085 00 
162,085 00 


$1,472 53 
1,472 53 



310 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Casli dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$2,087,854 03 

1,078,080 45 

167,000 00 

16,000 00 

190,870 97 

193 00 

40,350 00 



RUTGERS FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated Oct. 3, 1853. Commenced business Oct. 10, 1853.] 

Paid-up Capital, $200,000. 

Edward B. Fellows, President. Joseph F. Hanford, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

Forty-second and Grand St. R.R. bonds, . $6,000 00 $6,900 00 

District of Columbia bonds 75,000 00 81,750 00 

300 shares N. Y. Central and H. R. R.R., . 30,000 00 39,600 00 



$111,000 00 $128,250 00 



Securities held as collateral for cash loans : — 



Market value. Loaned thereon. 



100 shares Tradesmen's National Bank, 

25 " City Fire Insurance Co., 

30 " Phenix Fire Insurance Co., 

50 " People's Fire Insurance Co., 

10 " Stuyvesant Safe Deposit Co., 

25 " Knickerbocker Fire Ins. Co., 

20 " Manhattan Life Ins. Co., . 

5 " Amer. Exchange Fire Ins. Co., 

260 " No. River Fire Ins. Co., 

36 M Niagara Fire Ins. Co.,. 

43 " Hanover Fire Ins. Co., 



$4,640 00 
2,021 25 
2,175 00 
2,950 00. 
1,000 00 

600 00 
4,500 00. 

545 00 
7,020* 00 
3,204 00 
2,902 50 



$4,000 00 
5,000 00 

5,000 00 

450 00 
4,000 00 
1,800 00 
2,500 00 



$31,557 75 $22,750 00 



Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $98,000 00 

Loans on mort. of real estate (first liens*), 134,900 00 

Interest due or accrued thereon, . . . 1,699 00 

Stocks, bonds, etc., as per schedule, . . 128,250 00 



• Value of landn mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$171,100 00 
175,700 00 
124,950 00 



1882.] 



INS. COS. OF OTHER STATES. 



311 



Loans on collateral security, as per schedule, $2.\750 00 

Cash in the office of the company, . . 6,858 15 

Cash deposited in bank, .... 3,483 81 

Interest due and accrued, .... 1,845 63 

Premiums in course of collection (net), . 713 56 

Rents due and accrued, .... 287 00 
Premiums more than 3 mos. due, $521 98 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... $1,576 14 

Unearned premiums on outstanding risks, . 40,585 62 

Gross liabilities, except capital, . . 

Surplus as regards policy-holders, 
raid-up capital, 

Surplus over capital, 

Income. 

Cash received for fire premiums, . . $85,869 69 

Deduct reinsurance and return premiums, . 7,376 94 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 
Interest and dividends rec'd from all other sources, 
Income from rents, . . 

Gross cash income, 

Expenditures. 
Cash paid for fire losses, .... $47,837 33 
Deduct salvage and reinsurance, . . . 2,938 02 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, .... 

for incidentals, 

for repairs on real estate, .... 

Gross cash expenditures, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during, 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$13,443,394 00 
. 15,134,827 00 



28,578,2.1 00 
16,262,593 00 



$12,315,628 00 
325,954 00 



$398,787 15 



42,161 76 

$356,625 39 

200,00) 00 

$156,62o 39 



$78,492 75 

10,409 52 

5,523 01 

3,319 12 

$97,744 40 



$44,899 31 

28,000 00 

13,492 37 

16,646 58 

6,226 20 

5,945 06 

979 74 

(116,189 26 

Premiums. 

$88,298 87 
86,290 11 

$1 74,588 48 
91,057 74 

$33,530 74 
1,975 49 



$11,989,674 00 f 81,555 25 



312 FIRE, MARINE, AND FIRE-MARINE [Doc. 31, 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (14 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$2,418,218 70 

926,298 85 

860,000 00 

28,000 00 

42,683 71 

54,300 00 



SECURITY INSURANCE COMPANY, NEW HAVEN, CONN. 

[Incorporated, 1841. Commenced business April, 1841 ] 

Paid-up Capital, $200,000. 

Charles Peterson, President. H. Mason, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

Tradesmen's Nat'l B'k stock, New Haven, . $1,000 00 

Second Nat'l Bank stock, New Haven, . 13,200 00 

Merchants 1 Natl Bank stock, New Haven, . 10,000 00 

New Haven County National Bank stock, . 6,000 00 

New Haven National Bank stock, . . 8,700 00 

Yale National Bank stock, New Haven, . 15,000 00 

Amer. Exchange Nat'l Bank stock, N. Y., . 10,000 00 

Commerce Nat'l Bank stock, N. Y., . . 5,000 00 

N. Y., N. H. and Hartford Railroad stock, . 23,100 00 

Shore Line Railroad stock (Conn.), . . 7,300 00 

Northampton Railroad bonds, . . . 15,000 00 

Chicago and Alton Railroad bonds, . . 16,500 00 

Housatonic R.R. rolling stock bonds, . . 10,000 00 

New Haven Water Company stock, . . 6,250 00 



Market valut. 

$1,600 00 
21,120 00 
12,000 00 

8,400 00 
14,355 00 
18,000 00 
13,000 00 

7,350 00 
40,8^7 00 
11,315 00 
17,250 00 
16,665 00 
10,000 00 
10,250 00 



$147,050 00 $202,192 00 



Securities held as collateral for cash loans : — 



Chic, Burl., and Quincy Railroad stock, 
Adams Express Company stock, . 
American Bell Telephone Company stock, 
N. Y., and N. E R.R. bonds, 
N Y. Central and Hudson Riv. R.R. stock, 
Central Pacific Railroad stock, 



Market value. 

$3,075 00 ^ 
2,600 00 ' 



Loaned thereon. 



1,820 00 

1,050 00 j 

12,700 00 \ 

4,337 50/ 



} 87,000 00 



15,000 00 



$25,582 50 $22,000 00 



Summary of Assets Dec. 31, 1882. 

Loans on mort. of real estate (first liens *), $52,900 00 
Stocks, bonds, etc., as per schedule, . . 202,192 00 

* Value of lands mortgaged, .... f(V2,400 00 
Value of buildings thereon, .... 53,100 00 

Amount of insurance held as collateral, . 53,100 00 



1882.] 



INS. COS. OF OTHER STATES. 



313 



Loans on collateral security, as per schedule, 
Cash in the office of the company, 

Cash deposited in hank 

Interest due and accrued, . 
Premiums in course of collection (gross), . 
Notes taken for marine and inland risks, 
Gross assets, 

Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, 

Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$22,000 00 

379 61 

49,557 43 

299 46 

20,697 47 

3,169 94 



$2,160 36 

14,572 11 

1,925 00 

$18,657 47 
1,000 00 

$17,657 47 

90,111 61 

600 00 

2,454 65 



Surplus over capital, 

Income. 

Cash received for fire premiums, . . . $161,833 35 

Deduct reinsurance and return premiums, . 12,937 04 

Net cash received for fire premiums, . . 

Cash received for marine and inPd prem 1 s, . $118,372 55 

Deduct reinsurance and return premiums, . 13,433 93 

Net cash ree'd for marine and inl'd prem's, 

Interest received on bonds and mortgages, . . • . 
Interest and dividends received from all other sources, . 



Gross cash income, 



Expenditures 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, . 

Net cash paid for marine and inland losses 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 



$111,288 33 
12,708 03 

$S7,955 02 
4,829 78 



$351,195 81 



110,823 73 

>240,372 08 
200,000 00 

$40,372 08 



$151,896 31 



104,938 62 

2,539 27 

13,926 90 



$273,301 10 



$98,580 30 



83,125 24 

6,000 00 

44,344 64 

15,446 80 



314 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash paid for State and local taxes, 
for bad debts, 4 

Gross cash expenditures, 

Risks and Premiums. 



$3,252 01 
354 42 



$251,103 41 



Fire risks outstanding Dec. 31, 1881, . 
Fire risks written during 1882, . 

Total 

Deduct risks expired and terminated, . 

I n force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total 

Deduct risks expired and terminated, . 

In force at end of year, . 
Deduct amount reinsured, . 

Net amount in force, 



Premiums. 

$133,500 31 
159,767 35 

$293,267 66 
135,576 12 

$157,691 54 
9,061 18 

$13,192,860 00 $148,630 36 



$12,703,066 00 
18,305,607 00 

$31,008,673 00 
17,103,425 00 

$13,905,248 00 
712,388 00 



$1,169,281 00 
17,265,453 00 



$28,720 19 
105,111 17 



$18,434,734 00 
17,662,976 00 



5133,831 36 
111,825 89 



$771,758 00 
58,521 00 



$22,005 47 
1,063 29 



$713,237 00 $20,942 18 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (3 per cent.), 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



53,225,936 23 

2,317,547 43 

278,281 00 

6,000 00 

101,013 44 

80,118 92 

32,900 00 



STANDARD FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated March 26, 1859. Commenced business March 29, 1859.] 

Paid-up Capital, $200,000. 

William M. St. John, President. Robert II. Myers, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Tar value. Market value. 

United States bonds, $305,000 00 $311,100 00 

Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

100 shares St. L„ Alton & Terre Haute R.R., $S,900 QQ\ 

Hannibal & St. Joseph R R. bonds, . . 5,300 00 I $15,000 00 

Missouri, Kan. and Texas R.R. bonds, . 4,150 00 J 



1SS2.] 



INS. COS. -OF OTHER STATES. 



315 



Market value. Loaned thereon. 



200 shares Missouri Pacific R.R , . 

100 " Chic, Mil. and St. Paul 11 R., 



Summary of Assets Dec. 
Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the oilice of the company, 
Cash deposited in bank, .... 

Interest due and accrued, .... 
Premiums in course of collection (gross), . 
Gross assets, f • 

Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
State and local taxes, . 
Commissions and brokerage, 
Return premiums, 

Gross liabilities except capital, 

Surplus as regards policy-holders, 
Paid-up capital, ..... 



$20,400 00 
12,000 00 



| $25,000 00 



$50,750 00 $10,000 0J 

31, 1882. 

$13,500 00 

24,000 00 

120 00 

311,100 00 

40,000 00 

1,421 35 

6,380 56 

1,779 21 

7,520 53 

$105,821 65 



$3,745 70 

9,890 41 

1,335 75 

51,878 98 

600 00 

476 66 

1,153 02 

579 75 



Surplus over capital, 

Income. 

Cash received for fire premiums, . . $114,022 72 

Deduct reinsurance and return premiums, . 13,614 87 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, 
I ncome from rents, 



Gross cash income, 



Expenditures. 



Cash paid for fire losses, 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, 



$102,564 89 
13,842 91 



69,660 27 



$336,161 38 
200,000 CO 

$136,161 38 



$100,407 85 

1,484 87 

13,996 88 

1,117 00 

$117,036 60 



$38,721 93 



* Value of lands mortgaged $18,000 00 

Value of buildings thereon 28,500 00 

Amount of insurance held as collateral 24,000 00 

t Including $78,000 special reserve fund, held under New York law. 



316 FIKE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash dividends paid, 

( !ash paid for commissions and brokerage, 

for salaries of officers and employes, . 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$14,113,431 00 
16,092,265 00 

$30,205,096 00 
16,551,597 00 

$13,654,099 00 
753,601 00 



$14,000 00 

14,631 23 

13,734 17 

3,365 20 

10,327 29 

$144,779 87 

Premiums. 

$115,604 40 
109,314 15 

$224,918 55 
119,825 39 

$105,093 16 
2,751 18 



$12,900,498 00 $102,341 98 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (7 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$2,523,512 19 

1,478,600 61 

497,020 00 

14,000 00 

78,143 76 

40,250 00 



STAR FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated Dec. 2, 186L Commenced business Dec. 2, 1364.] 
Paid-up Capital, $500,000. 

Nicholas C. Miller, President. James M. Hodges, Secretary. 

9 

Detailed Statement of Stocks, Bonds, etc. 

Tar value. Market value. 

United States bonds, $305,000 00 $3^6,525 00 

Kansas Pacific R.R. bonds, .... 10,000 00 10,100 00 

Chic, Mil. and St. Paul R.R. bonds, . . 45,000 00 45,156 25 

Missouri Pacific R.R. bonds, . . . 20,000 00 21,900 00 

Chic, St. L. and New Orleans R.R. bonds, . 20,000 00 20,000 00 

25 shares Nassau Bank, .... 2,500 00 3,150 00 

45 " German American Bank, . . 3,375 00 3,375 00 



$105,S75 00 $130,206 25 



Securities held as collateral for cash loans : - 

1 1 shares Shoe and Leather Bank, 
50 M North River Bank, 
6 " Park Fire Ins. Co., 



Market value. Loaned thereon. 

$1,408 00 $1,100 00 
1,800 00 
750 (>0 



} 



1,800 00 



1882.] 



INS. COS. OF OTHER STATES. 



317 



22 shares Washington Life Ins. Co., 



30 
10 
20 
10 
14 



Sterling Fire Ins. Co., . 
German American Ins. Co., 
Jefferson Ins. Co , 
Manhattan Life Ins. Co., 
Knickerbocker Ins. Co., 



Market valrae. 

$1,210 00 

1,800 00 

1,950 00 

756 00 

2,500 00 

336 00 



Loaned thereon. 

$1,000 00 

1,200 00 

1,000 00 

600 00 

600 00 

200 00 



$12,510 00 $7,500 00 



Summary of Assets Dec. 31, 1882. 



Cash value of unencumbered real estate, 



$20,000 00 



Loans on mortgage of real estate (first liens*), 123,275 00 



Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
('ash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), . 
Rents due and accrued, .... 

Reinsurance, salvage, etc., .... 

Gross assets, 

Deduct special deposits in other States, 

Balance, . 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Due for borrowed money, . 
Commissions and brokerage, 

Reinsurance due, 

Return premiums, .... 

Gross liabilities except capital. 
Deduct liabilities on special deposits, . 



Surplus as regards policy-holders, 
Paid-up capital, 



2,939 63 

430,206 25 

7,500 00 

7,153 57 

24,510 94 

181 26 

83,107 07 

4,551 66 

55,115 35 



$55,936 59 

12,005 00 

1,800 00 

153,725 78 

2,500 00 

15,000 00 

2,282 20 

3,174 65 

217 80 

1246,642 02 
7,547 70 



$759,140 73 
67,950 00 

$691,190 73 



239,094 32 



$152,096 41 
500,000 00 



Impairment of capital, 



$17,903 59 



* Value of lands mortgaged, $160,000 00 

Value of buildings thereon 150,000 00 

Amount of insurance held as collateral, . . 128,800 00 



318 FIRE, MARINE, AND FIRE-MARINE [Dec. 31 



Income. 

Cash received for fire premiums, . . $191,492 90 

Deduct reinsurance and return premiums, . 132,282 35 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Gross cash income, 

Expenditures. 
Cash paid for fire losses, .... $463,174 73 
Deduct salvage and reinsurance, . . 136,635 57 

Net cash paid for fire losses, . . . 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 
Risks and Premiums. 



$359,210 55 

10,750 18 

21,438 68 

1,014 75 



$392,414 16 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$33,451,517 00 
. 53,262,515 00 



$326,539 16 
73,902 09 
29,352 16 
13,215 38 
54,370 48 

$497,379 27 

Premiums 

$352,171 13 
500,664 74 



$86,714,032 00 
44,411,437 00 



$852,835 87 
427,486 04 



$42,302,595 00 
. 12,947,608 00 



$425,349 83 
121,796 87 



$29,354,987 00 $303,552 96 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$3,711,960 94 

2,110,763 30 

390,791 77 

268,480 36 

102,600 00 



STERLING FIRE INSURANCE COMPANY, NEW YORK, N Y. 

[Incorporated Jan. 18, 1864. Commenced business Jan. 18, 1864.] 

Paid-up Capital, $350,000. 

Andkew L. Soulard, President. Louis P. Bayard, Secretary. 

Summary of Assets Dec. 31, 1882. 
Loans on mort. of real estate (first liens*), . $17,000 00 



Interest accrued thereon, 



235 00 



* Value of lands mortgaged $64,500 00 

Value of buildings thereon, .... 43,00000 

Amount of insurance held as collateral, . 87,230 00 



1882.] 



INS. COS. OF OTHER STATES. 



319 



United States bonds $300,532 50 

Cash in the office of the company, . . 1,970 15 

Cash deposited in hank, .... 2,715 60 

Premiums in course of collection (gross), . 8,87-4 90 

Reinsurance due, 593 75 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... $506 44 

Losses claimed and reported, . . . 4,090 00 

Unearned premiums on outstanding risks, . 45,384 70 

State and local taxes 341 25 

Commissions and brokerage, . . . 1,331 23 

Gross liabilities, except capital, . . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 

Income. 

Cash received for fire premiums, . . $107,850 83 

Deduct reinsurance and return premiums, . 14,777 76 

Net cash received for fire premiums, . . 

Cash received for marine and inlVl prem's, .... 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 

Expenditures. 
Cash paid for fire losses, .... $64,025 25 
Deduct salvage and reinsurance, . . . 3,125 89 

Net cash paid for fire losses, . . . 

Cash paid for marine and inland losses, 
Cash paid for commissions and brokerage, 

for salaries of officers and employes, . 

for State and local taxes, .... 

for incidentals, 

Gross cash expenditures, 

Risks and Premiums. 
Fire risks outstanding Dec. 31, 1881, . $12,288,562 00 



Fire risks written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



17,600,646 00 



$29,889,208 00 
15,714,232 00 



$14,174,976 00 
788,530 00 



$421,921 90 



51,653 62 

$370,268 28 
350,000 00 

$20,268 28 



$93,073 07 

925 00 

2,878 00 

12,778 04 

$109,654 11 



$60,899 36 

29 64 

18,893 22 

18,100 00 

2,182 74 

11,088 88 

$111,193 84 

Premiums. 

$69,532 32 
109,569 65 

§179,101 97 
86,733 92 

$92,368 05 
6,439 85 



$13,386,446 00 $35,928 20 



320 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine riskfl written during 1882, 
In force at end of year, 



120,000 00 
20,000 00 



Pn-miums. 

il,025 DO 
1,025 00 



Miscellaneous. 

Premiums received from organization of company, . . $1,192,731 07 

Losses paid from organization of company, . . . 561,354 00 

Casli dividends declared from organization of company, . 261,00;) 00 

Fire losses incurred during the year, 60,295 80 

Marine and inland losses incurred during the year, . 29 64 

Company's stock owned by directors, .... 85,200 00 



ST. PAUL FIRE AND MARINE INSURANCE COMPANY, 

ST. PAUL, MINN. 

[Incorporated May, 1865. Commenced business May, 1865 ] 

Paid-up Capital, $500,000. 

C. H. Bigelow, President. C. B. Gilbert, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

$50,000 00 $59,500 00 

27,000 00 40,5d0 00 

24,000 00 34.800 00 

10,000 00 12,000 00 

3,000 00 3,750 00 

5,000 00 5,000 00 

3,000 00 1,485 00 

916 28 916 28 

10,000 00 10,800 00 

15,000 00 15,000 00 

10,000 00 10,000 00 

10,000 00 8,000 00 

1,500 00 1,650 00 

10,000 00 11,00.0 00 

8,500 00 8,500 00 

3,666 00 4,032 60 

7,500 00 7,500 00 

5,500 00 5,500 00 

6,500 00 6,500 00 

7,000 00 7,000 00 

15,000 00 15,000 00 

5,000 00 5,000 00 

7,500 00 7,500 00 

36,000 00 36,000 00 

1,500 00 1,500 00 

7,757 00 8,532 70 

24,000 00 27,600 00 

7,400 00 8,140 00 



United States bonds, .... 

270 shares First Nat'l Bank, St. Paul, . 

240 " Merchants' Nat'l Bank, St. Paul 

120 " Bank of Minnesota, St. Paul, 
30 " First Nafl Bank, St. Peter, 
50 " First Nat'l Bank, Glencoe, . 

St. Paul and S. C. R.R. Co. stock, 

St Paul and S. C. R.R. Co. land contracts, 

Chic, St. P., M. and O. R.R. Co. bonds, 

300 shares St. Paul W'house and ElevY Co. 

St. Paul Warehouse and Elev'r Co. bonds, 

200 shares St. Paul Harvester Co 

Minneapolis city bonds, 

Stillwater city bonds, . 

Mankato city bonds, 

Detroit town bonds, 

Vernon Center town bonds, . 

,lo Daviess town bonds, . . 

Elmore town bonds, 

Garden City town bonds, 

Winnebago City town bonds, 

Pilot Grove town bonds, 

Oakwood town bonds, . 

Blue Earth City town bonds, 

Granite Falls town bonds, . 

Pine county bonds, 

Rock county bonds, 

Cass countv bonds, 



1882.] 



INS. COS. OF OTHER STATES. 



321 



Ramsey county bonds, .... 
Aitken county bonds, .... 
Barnes, D. T., county bonds, 
Grand Forks, D. T., county bonds, 
Barnes county, D. T., school district bonds 
Cass county, D. T., school district bonds, 
Yellow Medicine county bonds, . 
Otter Tail county bonds, 
Yellow Medicine county orders, . 
Chippewa county orders, 
Hennepin county orders, 
Cass, D. T., county orders, . 
Cass, D. T., school district orders, 
Barnes, D. T., school district orders, 
Barnes, D T., county orders, 
Trail, D. T., county orders, . 
Ransom, D. T., county orders, 
Fargo, D. T., city orders, 



Tar. value. 

f 1,000 00 

3,200 00 

30,000 00 

4,000 00 

1,500 00 

1,500 00 

800 00 

500 00 

3,540 32 

1,587 21 

15,161 44 

1,695 61 

11,254 60 

2,687 72 

2,702 32 

120 75 

96 00 

19,106 08 



Market value. 
$1,100 00 

3,520 00 

31,800 00 

4,200 00 

1,500 00 

1,500 00 

800 00 

500 00 

3,540 82 

1,587 21 

15,161 44 

1,695 61 

11,254 50 

2,687 72 

2,702 32 

120 75 

96 00 

19,106 08 



$422,691 23 $465,578 58 



Securities held as collateral for cash loans : — 



205 shares First Nat'l Bank, St. Paul, 
85 " Second Nat'l Bank, St. Paul, 
858 " Merch's Nat'l Bank, St. Paul, 
102 " Savings Bank, St. Paul, . 
50 " Bank of Minnesota, St. Paul, 
20 " First Nat'l Bank, Grand Forks, 
50 " Lumberman's N'l B'k, St'lwater, 
1288 " St. Paul and S. C. RR. Co., 
1080 " St. Paul and S. C. R.R. Co., 
262 " St. Paul Harvester Works, 
500 " Pioneer Press Co., 
100 " Stillwater Gas Light Co., . 
300 " Island Power Co., Minneapolis, 

Cass county bonds, 

Aitken county bonds, 

Polk county school district bonds, 
St. Paul city comptroller's orders, 



Market value. 

$30,750 00 

17,000 00 

124,410 00 

10,200 00 

6,000 00 

2,000 00 

6,250 00 

70,840 00 

43,200 00 

10,480 00 

25,000 00 

2,500 00 

22,500 00 

3,100 00 

1,000 00 

4,000 00 

12,362 00 



Loaned thereon. 

$20,60<> on 

13,000 00 

82,660 ) 

8,200 00 

5,000 00 

1,000 00 

5,000 00 

50,300 00 

20,411 44 

5,000 00 

12,375 00 

1,500 00 

15,000 00 

2,000 00 

500 00 

3,200 00 

10,500 00 



$391,592 00 $256,246 44 



Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $106,564 56 
Loans on mort. of real estate (first liens*), . 103,716 48 



* Value of lands mortgaged, $150,700 00 

Value of buildings thereon, 120,000 00 

Amount of insurance held as collateral, • . . 97,100 00 



322 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest due or accrued thereon, . 

Stocks, bonds, etc., as per schedule, 

L wins on collateral security, as per schedule 

( ash in the office of the company, 

( ash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 

Notes taken for inland risks, 

Rents due and accrued, 

Gross assets,* .... 

Liabilities. 
Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, . 
Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



$3,167 12 

465,578 53 

256,246 44 

1,963 61 

58,064 73 

16,636 60 

31,141 12 

5,237 14 

356 73 



$1,048,673 06 



$16,219 10 

14,116 00 

2,500 00 

$32,835 10 
1,666 00 

$31,169 10 

296,795 81 

3,970 50 



Surplus over capital, 

Income. 

Cash received for fire premiums, . . $525,886 01 
Deduct reinsurance and return premiums, . 82,277 69 

Net cash received for fire premiums, . . 

Cash received for marine and inl'd prem's, . $69,131 05 
Deduct reinsurance and return premiums, . 7,820 88 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, . 

Income from rents, 

Received for increased capital, $100,000 00, 

Gross cash income, 



331,935 41 

$716,737 65 
500,000 00 

$216,737 65 



$443,608 32 



61,310 17 
7,310 50 

45,803 98 
8,784 22 



$566,817 19 



Expenditures. 
(ash paid for fire losses, . 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, 



$280,172 67 
5,759 46 



$274,413 21 



* The company holds, .iIbo, instalment premium notes to the amount of $184,426.10, which 
']<> not enter into nor form any part of the assets of the company, as no portion of them is 
earned. Whatever value might he attached to them would necessarily be counterbalanced 
by the addition of an exactly equal amount to the reinsurance liability, the entire sum con- 
sisting of " unearned premiums." 



1882.] 



INS. COS. OF OTHER STATES. 



323 



Cash paid for marine and inland losses, . $ 39,303 87 
Deduct salvage and reinsurance, . . 4,133 87 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, . 

for State and local taxes, .... 

for incidentals, 



Gross cash expenditures, 

Risks and Premiums. 



$35,170 00 
40,000 00 
72,956 93 
25,473 01 
13,478 89 
34,157 34 

$195,649 38 



Fire risks outstanding Dec. 31, 1881, . 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 



.$41,621,612 00 
. 40,300,112 00 

.$81,921,724 00 
. 35,205,108 00 

.$46,716,616 00 
. 1,705,701 00 

.$15,010,915 00 $558,376 80 



Premiums. 

$514,644 18 
525,963 18 

1,040,607 36 
450,475 64 



$590,131 72 
31,751 92 



. $234,750 00 
12,208,176 00 

$12,442,926 00 
12,351,175 00 



$6,299 84 
70,254 55 

876,554 39 
71.663 39 



$91,751 00 $4,891 00 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year, .... 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$5,816,120 14 

3,886,371 32 

566,696 47 

40,000 00 

273,951 31 

21,634 96 

228,200 00 



TRADERS 1 INSURANCE COMPANY, CHICAGO, ILLINOIS. 

[Incorporated Feb., 1865. Reorganized May, 1872.] 

PAiD-rp Capital, $500,000. 

Charles Comstock, President. R. J. Smith, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $350,000 00 $417,812 50 

Cook county bonds, 43,000 00 48,190 00 



324 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Evanston water bonds, 
Chicago city bonds, .... 
Chicago City Railroad bonds, 
Chicago City Railroad stock, 
Chicago, Mil. & St. Paul R.R. bonds, . 
Chicago and North Western R.R. bonds, 
Chicago Bur. and Quincy R.R. bonds, . 
Lincoln Park bonds, .... 
American Express Co. stock, 



Par value. 

$15,000 00 
13,000 00 
50,000 00 
20,000 00 
50,000 00 
50,000 00 
25,000 00 
6,000 00 
30,000 00 



Market value. 

$17,175 00 
15,390 00 

140,000 00 
19,600 00 
59,500 00 
62,250 00 
21,250 00 
6,360 00 
27,600 00 



$652,000 00 $835,127 50 



Summary of Assets Dec. 31, 1882. 



Cash value of unencumbered real estate, 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (gross) 
Rents due and accrued, 
Due from other companies, . 

Gross assets, 

Liabilities 
Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, 

Less reinsurance, .... 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, 

Miscellaneous, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



$137,195 98 

835,127 50 

240 09 

36,071 53 

4,901 66 

21,647 64 

250 00 

21,782 93 



$1,057,217 33 



$17,479 12 

20,972 91 

7,207 10 

$45,659 13 
1,333 33 

$44,325 80 

150,661 83 

3,673 19 

18,860 07 



217,520 89 

$839,696 44 
500,000 00 



Surplus over capital, . 

Income. 
Cash received for fire premiums, 
Deduct reinsurance and return premiums, . 
Net cash received for fire premiums, . 
Cash received for marine and inPd prem's, 
Interest and dividends received from all sources, 
Income from rents, .... 
Income from commissions, . 

Gross cash income, 



$351,132 64 
76,542 84 


$339,696 44 

$274,589 80 

14,181 31 

44,270 19 

6,000 00 

26,573 03 


BS, 

• • • 



$365,614 33 



1882.] 



INS. COS. OF OTHER STATES. 



325 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, . 

Net cash paid for fire losses, . 

Cash paid tor marine and inland losses, 

Deduct salvage and reinsurance, . 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, . 

for State and local taxes, . 

for incidentals, . . . . 

Gross cash expenditures, . 

Risks and Premiums. 



8235,995 27 
11,443 56 

$1,342 19 
101 19 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, . . . . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks written during 1882, 
Deduct risks expired and terminated, 



$21,996,233 00 

. 29,046,018 00 

$51,042,251 00 

. 28,799,517 00 

$22,242,734 00 

. 1,108,205 00 



$224,551 71 



1,241 00 

50,000 00 

48,012 96 

23,318 33 

13,981 41 

22,637 28 

$383,742 69 

Premiums. 

$320,084 01 
350,797 75 

$670,881 76 
355,282 31 

$315,599 45 
18,326 60 



$21,134,529 00 $297,272 85 



$2,736,993 00 
2,736,993 00 



$14,181 31 
14,181 31 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, .... 



$3,620,504 69 

2,102,121 04 

522,500 00 

50,000 00 

201,058 03 

532 42 

99,500 00 



UNION INSURANCE COMPANY, PHILADELPHIA, PENN. 

[Incorporated Feb. 6, 1804. Commenced business July 25, 1803.] 

Paid-up Capital, $500,000. 

Colson Hieskell, President. John B. Craven, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

Chesapeake and Delaware Canal Co. b'ds, . $14,610 00 $12,856 80 
Schuylkill Navigation Company bonds, . 10,000 00 9,000 00 

Pennsylvania Coal Company bonds, . . 15,000 00 13,500 00 



326 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



North Pennsylvania Railroad bonds, . 
Pittsburg water bonds, 
American Steamship Company bonds, 
United States bonds, .... 
Schuylkill Coal Company bonds, 
Pittsburg' Avenue bonds, 
Baltimore and Ohio Railroad bonds, . 
Steubenville and Indiana Railroad bonds, 
New Jersey Central Car Trust bonds, 
Philadelphia and Reading Railroad bonds, 
New York and Pacific Car Trust bonds, 
Colorado Car Trust bonds, . 
Pennsylvania Car Trust bonds, . 
Guarantee Car Trust bonds, 
St. Louis and Iron Mt. Car Trust bonds, 
New York Car Trust Company bonds, 
100 shares Little Schuylkill Railroad, . 
173 " Pennsylvania Railroad, 
136 " North Pennsylvania Railroad, 
48 " Delaware Railroad, . 
68 " Philadelphia National Bank, 
88 " Farmers' and Mech. Nat'l B'k, 
88 " Dela. Mutual Safety Ins. Co., 
525 " Harris., Ports., Mt. Joy & L. R.R., 



Securities held as collateral for cash loans : — 



134 shares Pennsylvania Railroad, 
83 " Pennsylvania Railroad, 
Lehigh Valley Railroad bonds, . 
18 shares Pennsylvania Railroad, 
100 " Northern Pacific Railroad, 
100 " Catawissa Railroad, . 
200 " Pennsylvania Railroad, 
Car Trust Equipment bonds, 
Catawissa Railroad bonds, . 
Bonds and mortgages, . 
Northern Pacific Railroad bonds, 
Judgment note, .... 



Par value. 


Market value. 


$14,500 00 


$16,050 00 


10,000 00 


12,700 00 


5,000 00 


5,300 00 


10,000 00 


11,325 00 


10,000 00 


10,900 00 


33,900 00 


36,273 00 


25,000 00 


28,000 00 


10,000 00 


10,400 00 


2,000 00 


2,000 00 


25,000 00 


28,000 00 


45,000 00 


45,130 00 


20,000 00 


20,000 00 


6,000 00 


6,000 00 


6,000 00 


6,000 00 


16,000 00 


16,000 00 


51,000 00 


51,000 00 


5,000 00 


5,950 00 


8,650 00 


10,380 00 


6,800 00 


8,704 00 


1,200 00 


1,344 00 


6,800 00 


14,552 00 


8,800 00 


12,320 00 


2,200 00 


3,784 00 


26,250 00 


39,375 00 


$394,710 00 


$436,843 80 


s : — 

Market value. 


Loaned thereon. 


$8,280 00 


$6,500 00 


4,980 00 \ 
2,400 00 / 


6,000 00 


1,080 00 > 
8,500 00/ 


4,892 50 


5,400 00 


3,200 00 


12,000 00 \ 
5,000 00/ 


15,000 00 


1,170 00 


1,000 00 


16,800 00 


10,000 00 


1,000 00 


900 00 


1,907 26 


953 63 



$68,517 26 $48,446 13 



Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $186,000 00 
Loans on mort. of real estate (first liens*), 34,000 00 
Interest due or accrued thereon, . . . 850 00 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$64,500 00 
88,500 00 



1882.] 



INS. COS. OF OTHER STATES. 



327 



Stocks, bonds, etc., as per schedule, 

Loans on collateral security, as per schedule, 

Cash in the office of the company, 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 

Notes taken for marine and inland risks, 

Rents duo and accrued, 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends to stockholders unpaid, 

Gross liabilities, except capital, . 

Surplus as. regards policy-holders, 
Paid-up capital, 



$436,843 80 

48,446 13 

17,813 08 

3,190 05 

2,334 99 

76,673 83 

77,088 53 

1.058 12 



$11,079 71 
65,000 00 

242,951 29 

31,634 41 

2,496 27 



Surplus over capital, 

Income. 

Cash received for fire premiums, . . $430,255 61 

Deduct reinsurance and return premiums, . 65,822 56 

Net cash received for fire premiums, . . 

Cash received for marine and inPd prem's, . $502,694 69 

Deduct reinsurance and return premiums, , 187,231 94 

Net cash rec'd for marine and inl'd prem's, . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Deposits rec'd for perpetual fire risks, . $3,470 00 

Gross cash income, . . . • . 

Expenditures. 

Cash paid for fire losses, .... $270,536 96 

Deduct salvage and reinsurance, . . . 11,730 38 

Net cash paid for fire losses, . . . 

Cash paid for marine and inland losses, . $296,105 36 

Deduct salvage and reinsurance, . . 74,260 60 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, 
for State and local taxes, 
for incidentals, .... 

Deposits returned on perpetual fire risks, . $1,849 75 

Gross cash expenditures, 



$884,298 53 



353,161 68 

$531,136 85 
500,000 00 

$31,136 85 



$364,433 05 

315,462 75 

1,760 00 

29,334 64 

15,261 08 

$726,251 b-2 



$258,806 58 

221,844 76 
39,924 80 

103,006 37 
31.826 00 
18,184 48 
57,728 69 

$731,321 68 



328 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Risks and Premiums. 

Premiums- 

Fire risks outstanding Dec. 31, 1881, . $28,781,215 00 8301,932 75 



Fire risks written during 1882, 

Total, 

1 Nil net risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 
Perpetual risks in force, 

Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, .... 
Deduct amount reinsured, . 

Net amount in force, 



. 42,384,414 00 428,956 74 



$71,165,629 00 $733,889 49 
38,984,501 00 373,560 11 



832,181,128 00 $360,329 38 
1,890,139 00 22,840 36 



$30,290,989 00 $337,489 02 
1,053,425 00 35,149 34 



$1,697,530 00 
77,991,806 00 



$79,689,336 00 
. 78,257,044 00 



$66,361 19 
548,835 92 

H615,197 11 
551,918 56 



. $1,432,292 00 
373,645 00 



$63,278 55 
4,356 25 



. $1,058,647 00 $58,922 30 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$16,162,232 00 

11,763,256 00 

1,812,599 00 

40,000 00 

272,175 16 

296,610 42 

88,260 00 



UNION INSURANCE COMPANY, SAN FRANCISCO, CAL. 

[Incorporated April 28, 1865. Commenced business June 20, 1865.] 

Paid-up Capital, $750,000. 

Gust AVE Touchard, President. James D. Bailey, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 
Montgomery Ave. bonds, 
() tkland city bonds, 

Stockton city bonds, 
Alameda town bonds, . 



Tar value. 

$508,000 00 

120,000 Ou 

8,000 00 

6,000 00 

10,000 00 



Market value. 

$569,793 00 

48,000 00 

10,000 00 

6,300 00 

11,000 00 



$65'. ,000 00 $645,093 00 



1882.] 



INS. COS. OF OTHER STATES. 



329 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of r'l estate (first liens*) 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
(ash in the office of the company, 
( lash deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Premiums more than 3 mos. due, $2,723 60 

Gross assets, 

Deduct special deposit in other States, 



31, 1882. 

$100,000 00 

24-4,725 15 

5,047 25 

645,093 00 

2,688 78 

54,741 73 

3,222 50 

33,843 04 

9,151 40 



Balance, 



$1,098,512 85 
59,000 00 

$1,039,512 85 



Liabilities. 

Losses claimed and reported, 
Losses disputed or resisted, . 
Unearned premiums on outstanding risks, 
Unused balances of premium notes, . 
Commissions and brokerage, 

Gross liabilities, except capital 
Deduct liabilities on special deposits, . 



Surplus as regards policy-holders, 
Paid-up capital, 



$37,087 14 
4,000 00 

180,058 36 

570 00 

1,437 20 

1223,152 70 
5,370 00 



Surplus over capital, 



217,782 70 

$821,730 15 
750,000 00 

$71,730 15 



Income. 

Cash received for fire premiums, . . . $328,030 76 

Deduct reinsurance and return premiums, . 50,652 79 

Net cash received for fire premiums, . . 

Cash recM for marine and inland premiums, $121,945 85 
Deduct reinsurance and return premiums, . 14,820 95 

Net cash ree'd for marine and inl'd premiums, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Gross cash income, 



$277,377 97 



107,124 90 

21,975 82 

17,121 04 

8,995 00 

$432,594 73 



* Value of lands mortgaged, .... $339,000 00 
Value of buildings thereon, .... 261,500 00 
Amount of insurance held as collateral, . 153,600 00 



330 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, .... $129,417 6-1 
Deduct salvage and reinsurance, . . 9,760 35 

Net cash paid for fire losses, . . . 

Cash paid for marine and inland losses, . $43,299 71 
Deduct salvage and reinsurance, . . . 6,043 53 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, . 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . ■ 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . . 

Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 



$19,049,934 00 
. 28,339,402 00 

$47,389,336 00 
. 22,474,437 00 

$24,914,899 00 
. 1,350,252 00 



$119,657 29 



37,256 18 
67,635 00 
56,498 27 
48,417 49 
9,971 29 
33,330 93 

$372,766 45 



Premiums. 

$225,080 83 
328,666 11 

$553,746 94 
246,915 08 

$306,831 86 
17,354 94 



$23,564,647 00 $289,476 92 



. $784,047 00 
. 12,219,425 00 

$13,003,472 00 
. 11,924,802 00 

. $1,078,670 00 
84,246 00 



$31,212 40 
121,834 25 

$153,046 65 
108,881 25 

$44,165 40 
2,915 55 



Net amount in force, 



$994,424 00 $41,249 85 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (9 per cent.) , 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$6,246,028 69 

3,441,573 77 

1,867,500 00 

67,500 00 

128,705 83 

47,330 18 

203,100 00 



1882.] INS. COS. OF OTHER STATES. 



331 



UNITED FIREMEN'S INSURANCE COMPANY, PHILA- 
DELPHIA, PA. 

[Incorporated April 2, 1860. Commenced business April 1, 1861.] 

Paid-up Capital, $300,000. 

Joseph L. Caven, President. Robert B. Beath, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $86,500 00 $103,367 50 

Philadelphia city bonds, .... 60,000 00 67,200 00 

Pittsburgh street bonds, .... 31,000 00 32,550 00 

Northern Central Railroad bonds, . . 10,000 00 11,200 00 

Railroad Equipment bonds, . . . 10,000 00 10,000 00 

Iron Mountain Car Trust certificate, . . 17,000 00 17,000 00 

Central R.R. of N. J. Car Trust certificate, . 10,000 00 10,000 00 

Colorado Rolling Stock Trust certificate, . 10,000 00 10,000 00 



$234,500 00 $261,317 50 



Securities held as collateral for cash loans : — 



100 shares No. Pennsylvania Railroad, 

Mortgage, 

30 shares Real Estate Titles Co., . 

Pittsburgh city bond, . . . . 

1,000 shares Germantown Pass. R.R. . 
600 " Lehigh Navigation Co., 
200 " Northern Pacific R.R., . 



:} 



Market value. 

$6,400 00 
5,000 00 
4,500 00 
5,250 00 

71,000 00 



Loaned thereon. 

$5,000 00 
2,500 00 
2,500 00 
5,000 00 

60,000 00 



33,100 00 25,000 00 



Summary of Assets Dec. 
Cash value of unencumbered real estate, . 
Loans on mort. of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (net), 

Rents, etc., 

Gross assets, 



$125,250 00 $100,000 00 

31, 1882. 

$116,763 82 

237,377 09 

4,302 08 

261,317 50 

100,000 00 

410 92 

6,430 52 

4,171 20 

4,605 58 

873 36 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 



H,672 44 
2,173 00 



$736,252 07 



* Total value of property mortgaged $349,091 00 

Amount of insurance held as collateral, .... 193,850 00 



332 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Losses disputed or resisted, .... 500 00 

Unearned premiums on outstanding risks, . 53,719 21 

Reclaimable on perpetual fire policies, . 306,114 76 

Due and accrued for rent, salaries, etc., . 923 87 

T:ixe« due and accrued, .... 1,371 44 

Reinsurance due, 2,650 10 

Gross liabilities, except capital, . . 



$369,124 82 



Surplus as regards policy-holders, . . . $367,127 25 
Paid-up capital, 300,000 00 



Surplus over capital, 

Income. 

Cash received for fire premiums, . . . $103,215 15 
Deduct reinsurance and return premiums, . 24,343 15 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Income from transfers and surveys, 

Deposits received for perpetual fire risks, . $16,023 60 
Received for calls on capital, . . . 90,000 00 
Received for increased capital, . . . 100,000 00 

Gross cash income, 

Expenditures. 

Cash paid for fire losses, 

for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, . 

for incidentals, 

Deposits returned on perpetual fire risks, . $19,064 04 

Gross cash expenditures, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 
Perpetual risks in force, 



$11,312,259 00 
. 9,988,500 00 

$21,300,759 00 
. 13,096,083 00 

. $8,204,676 00 
176,203 00 

. $8,028,473 00 
. 13,553,067 00 



$67,127 25 



$78,872 00 

14,855 66 

10,601 98 

2,603 90 

1,420 50 



$108,354 04 



$80,692 26 

16,984 01 

8,331 61 

2,425 97 

13,316 48 



$121,750 33 



rremiums. 

$133,671 91 
93,909 07 

$227,580 98 
135,263 13 

$92,317 85 
1,933 90 

$90,383 95 
335,160 80 



1882.] 



INS. COS. OF OTHER STATES. 



333 



Miscellaneous. 
Premiums received from organization of company, . 

ifl paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



1841,585 20 

539,585 95 
128,505 86 

61,611 77 
152,840 00 



UNITED STATES FIRE INSURANCE COMPANY, NEW 

YORK, N. Y. 

[Incorporated April 1, IflML Commenced business April 9, 1824.] 

Paid-up Capital, $250,000. 

W Wilson Underhill, President. George E. Cock, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 

61 shares Rome, W., and Ogdensburg R.R., 



Tar valne. 

$302,000 00 
6,100 00 



Market value. 

$353,025 00 
1,220 00 



$308,100 00 $354,245 00 



Summary of Assets Dec. 31, IS- 

Loans on mort. of real estate (first liens*), . $159,700 00 

Interest due or accrued thereon, . . . 1,856 07 

Stocks, bonds, etc., as per schedule, . . 354,245 00 

Cash in the office of the company, . . 1,270 04 

Cash deposited in bank, .... 1,921 74 

Interest due and accrued, .... 2,282 37 

Premiums in course of collection (gross), . 6,976 41 

Notes taken for marine and inland risks, . 2,000 59 

Gross assets, 



Liabilities 
Losses adjusted, unpaid, 
Losses claimed and reported, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc 
State and local taxes, . 
Commissions and brokerage, 
Return premiums, etc., . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



$2,137 37 

8,929 29 

33,747 42 

697 50 

800 00 

625 00 

1,100 00 

793 41 



$530,252 22 



Surplus over capital, 



$48,829 99 

$481,422 23 
250,000 00 

$231,422 23 



* Value of lands mortgaged $175,000 00 

Value of buildings thereon, .... 235,000 00 
Amount of insurance held as collateral, . . 189,700 00 



334 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

( ':ish received for fire premiums, . . $56,949 77 
Deduct reinsurance and return premiums, . 5,044 57 

Net cash received for fire premiums, . . 

Cash received for marine and inl'd prem's, . $42,653 29 
Deduct reinsurance and return premiums, . 4,113 74 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from all other sources, 

Gross cash income, 



$51,905 20 



38,539 55 

7,100 05 

10,661 58 

5 00 

$108,211 38 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and reinsurance, . 
Net cash paid for fire losses, . 
Cash paid for marine and inland losses, 

dividends paid, 

paid for commissions and brokerage, . 

for salaries of officers and employes, 

for State and local taxes, 

for rent, etc., .... 



$10,967 44 
155 88 



Gross cash expenditures, 



$10,811 56 
13,099 78 
24,492 50 
17,198 28 
11,052 63 
3,248 45 
10,386 46 

$90,289 66 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, . 
Fire risks written during 1882, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, .... 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 



$9,438,132 00 
13,854,068 00 



$23,292,200 00 
10,589,759 00 



$12,702,441 00 
399,950 00 



$31,500 00 
3,492,523 00 

$3,524,023 00 
3,209,168 00 



Premiums. 

$29,016 30 
60,326 01 

$89,342 31 
33,755 40 

$55,586 91 
2,008 60 



$12,302,491 00 $53,578 31 



$990 00 
46,345 23 

$47,335 23 
35,776 00 



$314,855 00 $11,559 23 



Miscellaneous. 

Premium! received from organization of company, . . $2,955,648 83 

Losses paid from organization of company, . . . 1,604,056 72 

Cash dividends declared from organization of company, . 1,454,119 00 



1882.] 



INS. COS. OF OTHER STATES. 



335 



Dividends declared during the year (10 per cent.), 
Fire losses incurred during the year, . 
Marine and inland losses incurred during the year, 
Company's stock owned by directors, 



$25,000 00 
14,698 68 
18,000 51 
45,950 00 



UNITED STATES LLOYDS, NEW YORK, N. Y. 

[Incorporated 1873. Commenced business 1873.] 

Higgins & Cox, Attorneys for the Subscribers. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 

New York city and county bonds, 

Boston city bonds, 

District of Columbia bonds, 



Par value. 

$50,000 00 

100,000 00 

50,000 00 

10,500 00 



Market value. 

$67,000 00 

132,000 00 

58,500 00 

9,450 00 



$210,500 00 $266,950 00 



Securities held as collateral for cash loans : — 



} 



225 shares Merchants' Nat'l Bank, Savannah, 

70 " South Western R.R., . 
Georgia State bonds, .... 
200 shares, Chic, Mil. and St. Paul R.R., 
100 " Union Pacific R.R , . 
333 " St. Paul, M. and Manitoba R.R., 
100 " Chicago and North Western R.R. 
300 " Union Pacific R.R., 

20 " New York Central R. R., . 
500 " Chic, Mil. and St. Paul R.R., 
Toledo, W and Western R.R. bonds, . 



Market value. 

$28,800 00 

19,100 00 

21,075 00 
10,250 00 
47,535 00 
15,200 00 
30,750 00 

2,530 00 
52,687 00 

9,800 00 



Loaned thereon. 

$j0,000 00 
17,000 00 



75,000 00 

25,000 00 
50,000 00 



$237,727 00 $187,000 00 



Summary of Assets Dec. 31, 1882. 

Stocks, bonds, etc, as per schedule, . . $266,950 00 

Loans on collateral security, as per schedule, 187,000 00 

Cash deposited in bank, 77,201 19 

Interest due and accrued, .... 6,134 67 

Premiums in course of collection (gross), . 53,343 11 

Notes taken for marine risks, . . . 3,976 61 

Atlantic Mutual Insurance Co. scrip, . . 4,320 00 

Reinsurance due, 22,346 84 

Reinsurance premiums, etc, . . . 5,010 91 

Gross assets, 

Liabilities. 

Losses claimed and reported, . . . $77,402 84 

Unearned premiums on outstanding risks, . 59,201 67 



$626,313 33 



336 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Due and accrued for rent, salaries, etc., 

Trust funds, 

Gross liabilities, .... 



$1,583 55 
13,449 73 



- $151,637 79 



Surplus, 

Income. 
Cash received for marine and inland premiums, 

Gross cash income, 



Expenditures. 

Cash paid for marine and inland losses, 
Cash dividends and commissions paid, 
Cash paid for rebate, reinsurance, etc., 

for brokerage, 

for incidentals, . 
Bad debts, .... 
Profit and loss, 



Gross cash expenditures, 



$474,675 54 

$696,721 77 
$696,721 77 



$251,345 9ft 

46,226 00 

243,780 84 

15,747 39 

56,743 89 

2,939 23 

6,292 92 

$623,076 23 



Marine risks written during 1882, 
Deduct risks expired and terminated, 



Risks and Premiums. 

Premiums. 

. $78,274,717 00 $719,192 74 
. 71,831,349 00* 659,991*07 



In force at end of year, 
Deduct amount reinsured, . 



$6,443,368 00 * $59,201 67 
248,902 00* 2,287 18 



1,194,466 00 * $56,914 49 



Net amount in force, .... 

Miscellaneous. 
Marine and inland losses incurred during the year, . . $225,089 92 * 



WESTCHESTER FIRE INSURANCE COMPANY, NEW 
ROCHELLE, N. Y. 

[Incorporated as a Mutual, March 14, 1837. Commenced business as Joint Stock, 

Jan. 1, 1870.] 

Paid-up Capital, $300,000. 
George R. Crawford, President. John Q. Underiiill, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 
United States bonds, 



Par value. Market value. 

. $ 530,000 00 $632,600 00 



* Estimated. 



1882.] INS. COS. OF OTHER STATES. 

Securities held as collateral for cash loans : — 

Markvt value. 

Citizens 1 Bank stock, . . . . . $4,000 00 
Central Bank, Westchester county, . 2,600 00 



337 



Loaned thereon. 

$2,500 00 
1,700 00 



Summary of Assets Dec. 

Cash value of unencumbered real estate, . 

Loans on mortgage of real estate (first liens*), 

Interest due or accrued thereon, . 

Stocks, bonds, etc., as per schedule, 

Loans on collateral security, as per schedule 

Cash in the office of the company. 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 

Rents due and accrued, 

Gross assets, 

Deduct special deposits in other States, 



$6,600 00 $4,200 00 

31, 1882. 

139,800 00 

124,600 00 

1,902 75 

632,600 00 

4.200 00 

5,187 18 

U>,891 67 

126 00 

68,722 59 

980 00 



Balance, 



$924,010 19 
45,000 00 

$879,010 19 



Liabilities. 



$33,608 76 

15,950 00 

381,360 20 

9,070 30 

$439,989 26 
45,000 00 



Losses adjusted, unpaid. 
Losses claimed and reported, 
Unearned premiums on outstanding risks, 
( 'ommissions and brokerage, 

Gross liabilities except capital, 
Deduct liabilities on special deposits, . 

Surplus as regards policy-holders. 
Paid-up capital, 

Surplus over capital, .... 

Income. 

Cash received for fire premiums, . 

Deduct reinsurance and return premiums, 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, . 

Interest and dividends received from all other sources, 

Income from rents, % 



394,989 26 

$484,020 93 

300 000 00 

$184,020 93 



$616,610 00 
44,214 44 



1572,395 56 

7,658 08 

22,299 18 

4,043 96 



Gross cash income, 



$606,396 78 



* Value of lands mortgaged, $144,600 00 

Value of buildings thereon, 138,800 00 

Amount of insurance held as collateral, . . 120,300 00 



338 FIKE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 
Cash paid for fire losses, .... $332,703 09 
Deduct salvage and reinsurance, . . . 11,745 54 

Net cash paid for fire losses, 
Cash dividends paid, .... 
Cash paid for commissions and brokerage, 

for salaries Of officers and employes, 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, . 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$79,795,911 00 
71,879,961 00 



$320,957 55 
30,000 00 
108,819 01 
26,282 45 
16,367 52 
78,670 61 

$581,097 14 



Premiums. 

$712,395 47 
633,293 41 



$151,675,872 00 
. 68,701,968 00 



$1,345,688 88 
599,524 11 



$82,973,904 00 
1,540,644 00 



$746,164 77 
18,038 86 



$81,433,260 00 $728,125 91 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$8,283,555 28 

4,626,804 59 

318,000 00 

30,000 00 

316,411 42 

147,000 00 



WILLIAMSBURGH CITY FIRE INSURANCE COMPANY, 
BROOKLYN, N. Y. 

[Incorporated March, 1853. Commenced business March, 1863.] 

Paid-up Capital, $250,000. 

Edmund Driggs, President. N. W. Meserole, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $274,000 00 $293,755 00 

Mechanics 1 and Traders 1 Bank of Greenp't, 8,000 00 8,400 00 

Grand St. and Newtown. R.R. Stock, . . :;;5,000 00 33,660 00 

Nassau Nat'l Bank of Brooklyn stock, 1,000 00 1,950 00 

Long Island Bank ol Brooklyn stock, . . 10,000 00 11,200 00 

First National Bank ol' Brooklyn stock, . 4,900 00 12,740 00 

People's Gas Light Co. of Brooklyn stock, 13,000 00 5,850 00 



1882.] 



INS. COS. OF OTHER STATES. 



339 



Metropolitan Gas Light Co. of B'klyn stock, 
Citizens 1 Gas Light Co. of Brooklyn stock, 
Dry Dock, E. B. and Battery R.R. stock, 
Grand Street and Newtown R U. bonds, 
Georgia State bonds, . 
Broadway R.R. of Brooklyn stock, 
Broadway K.R. of Brooklyn bonds. 
Yates Av. and Flatbnsh, B'klyn, K.R. bonds, 



Par value. 

$5,000 00 

7,120 00 

20,000 00 

21,000 00 

50,000 00 

15,400 00 

3,000 00 

4,500 00 



Market value. 

$3,850 00 

5,055 20 

50,000 00 

22,050 00 

55,500 00 

30,800 00 

3,300 00 

4,725 00 



$469,920 00 $542,835 20 



Securities held as collateral for cash loans : — 



Pacific Bank, N. Y. stock, 
Mercantile Fire Ins. Co., N. Y., stock, . 
Importers' & Traders' Ins. Co., N. Y., stock 
Pacific Ins. Co., N. Y., stock, 
Manuf. Nat'l Bank, N. Y., stock, . 
Greenwich Ins. Co., N. Y., stock, . 
Broadway and Seventh Ave. R.R. stock, 
Union Ferry Company, Brooklyn, stock, 
Grand Street and Newtown R.R. Co. stock 
People's Gas Co., Brooklyn, stock, 
Lafayette Ins. Co., Brooklyn, stock, 
Fourth National Bank, N. Y., stock, . 
Sanborn Map and Pub. Co., stock, 
Cypress Hill Cemetery bonds, 



Loaned thereon. 

$5,000 00 

1,500 00 

1,720 00 

350 00 

1,000 00 

600 00 

900 00 

900 00 

4,500 00 

500 00 

6,500 00 

$32,213 50 $23,470 00 



Market value. 

$4,500 00 
1,400 00 

375 00 
1,750 00 
3,354 00 

715 00 
1,500 00 
1,008 00 
1,020 00 

112 50 
1,060 00 
5,544 00 

875 00 
9,000 00 



} 



Summary of Assets Dec. 31, 1882. 

Cash value of unencumbered real estate, . $276,187 84 

Loans on mort. of real estate (first liens*), 127,750 00 

Interest due or accrued thereon, . . . 1,656 68 

Stocks, bonds, etc., as per schedule, . . 542,835 20 

Loans on collateral security, as per schedule, 23,470 00 

Cash in the office of the company, . . 590 81 

Cash deposited in bank, .... 22,384 07 

Interest due and accrued, .... 7,460 43 

Premiums in course of collection (gross), . 71,527 89 

Rents due and accrued, .... 3,018 85 
Premiums more than 3 mos. due, $1,189 02 

Gross assets,f 

Deduct special deposits in other States, .... 

Balance, 



$1,076,881 77 
36,000 00 

$1,040,881 77 



* Value of lands mortgaged, $119,000 00 

Value of buildings thereon, 136,500 00 

Amount of insurance held as collateral, . . 117,500 00 

t Including $255,000 special reserve fund held under New York Law. 



340 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, 

Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., 
State and local taxes, .... 
Commissions and brokerage, 

Gross liabilities, except capital, . 
Deduct liabilities on special deposits, . 



Surplus as regards policy-holders, 
Paid-up capital, . . . . 



$10,509 35 

26,792 05 

5,150 00 

$42,451 40 
1,492 94 

$40,958 46 

334,779 70 

45 00 

2,500 00 

3,879 26 

12,881 75 

$395,044 17 
27,765 62 



Surplus over capital, 



$367,278 55 

$673,603 22 
250,000 00 

$423,603 22 



Income. 



$551,230 39 
44,459 16 



Cash received for fire premiums, 

Deduct reinsurance and return premiums, . 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 



Gross cash income, 



$506,771 23 
11,982 10 
27,986 69 
11,899 92 

$558,639 94 



Expenditures. 



Cash paid for fire losses, 

Deduct salvage and reinsurance, . 

Net cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, 
for State and local taxes, 
for incidentals, .... 
for interest on borrowed money, . 



$320,044 25 
21,007 98 



$299,036 27 
50,260 00 
122,556 84 
52,503 72 
10,122 50 
49,839 04 
1,190 60 



Gross cash expenditures, 



$585,508 97 



1882.] 



INS. COS. OF OTPIER STATES. 



341 



1157,030,746 00 $1,105,765 78 
70,658,518 00 441,787 78 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1881, . f 72,560,166 00 $531,434 92 

Urn risks written during 1882, . . . 84,470,580 00 574,330 86 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 

Deduct amount reinsured. . 

Net amount in force, $83,882,632 00 $635,223 29 

Miscellaneous. 
Premiums received from organization of company, 



$86,372,228 00 
. 2,489,596 00 



$663,978 00 
28,754 71 



Losses paid from organization of company, 
Gash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$7,399,040 55 

3,875,443 93 

802,500 00 

50,000 00 

309,746 05 

73,850 00 



342 F. INS. COS. OF OTHER STATES. [Dec.31,'82. 



AGGREGATE. 



Capital Stock. 




Capital actually paid up in cash, 


$44,036,100 00 




9,341,371 00 


Assets. 




Gross present assets, • 


$127,742,216 00 


Liabilities. 




Gross present liabilities, 


$40,371,061 00 


Income. 




Cash actually received for fire premiums, . 


$38,011,136 00 


for marine and inland premiums, 


10,061,941 00 


for interest and dividends from all sources, 


5,337,707 00 


from all other sources, 


519,534 00 


Gross cash income, 


$53,930,318 00 


Expenditures. 




Cash actually paid during the year for fire losses, 


$22,264,795 00 


for marine and inland losses, .... 


6,050,419 00 


for dividends to stockholders, .... 


5,237,318 00 


for redemption of scrip, 


2,219,404 00 


for interest to scrip-holders, 


548,834 00 


for brokerage and commissions on premiums, . 


7,199,851 00 


for salaries and pay of officers and employes, 


3,875,102 00 


for State and local taxes, 


1,193,608 00 


for office, agency, and incidental expenses, . 


3,473,194 00 


Gross cash expenditures, .... 


$52,062,525 00 


Miscellaneous. 




Whole amount of fire risks written during the year, . 


$4,690,402,970 00 


premiums charged or receivable thereon, 


43,492,146 00 


marine and inland risks written during the year, 


1,493,244,223 00 


premiums charged or receivable thereon, 


12,427,914 00 


fire risks terminated during the year, 


4,159,779,464 00 


marine and inland risks terminated, . 


1,472,140,-178 00 


fire risks outstanding at end of year, 


5,075,168,140 00 


marine and inland risks outstanding, 


199,402,290 00 


dividends declared, 


5,229,049 00 


fire losses incurred, 


22,744,104 00 


marine losses incurred, 


6,587,115 00 






UNITED STATES BRANCHES OF 

FOEEIGN FIRE 
INSURANCE COMPANIES 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1882. 



344 UNITED STATES BRANCHES OF [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



UNITED STATES BRANCH OF THE BRITISH AMERICA 
ASSURANCE COMPANY, TORONTO, CANADA. 

Summary of Assets Dec. 31, 1882. 

United States bonds, $602,635 00 

Deposited with trustees, .... 150,000 00 

Deposited with State Treasurer, Miss., . 15,000 00 

Cash in the office of the company, . . 22,875 92 

Cash deposited in bank, .... 1,239 20 

Interest due and accrued, .... 600 00 

Premiums in course of collection (gross), . 31,227 88 
Office furniture, .$4,401 98 
Premiums more than 3 mos. due, 1,626 96 

Gross assets, $823,578 00 

Deduct special deposit in other States, . . . « 223,9 10 00 



Balance, $599,668 00 

Liabilities. 

Losses claimed and reported, . . . f 84,228 05 

Losses disputed or resisted, .... 2,500 00 

Unearned premiums on outstanding risks, . 295,056 85 

Due and accrued for rent, salaries, etc., . 728 01 

Commissions and brokerage, . . . 2,407 83 



Gross liabilities, $384,920 74 

Deduct liabilities on special deposits, . . 37,701 99 



$347,218 75 



Surplus, $252,449 25 

Income. 

Cash received for fire premiums, . . $619,376 63 

Deduct reinsurance and return premiums, . 98,990 14 

Net cash received lor fire premiums, . . $520,886 49 

( ash received for marine and inland prems., $38,949 67 

Deduct reinsurance and return premiums, . 5,145 74 

Net cash recM for marine and inl'd prems., 33,803 93 

Interest and dividends received from all sources, . . 44,924 40 



Gross cash income, $599,114 82 



2.] FOREIGN FIRE INSURANCE COS. 



345 



Expenditures. 
Cash paid for fire lo»- .... 1425,874 6<» 

Deduct salvage and reinsurance, . . 31,325 39 

Net cash paid for fire loss* ■- . 

Cash paid for marine and inland loss $9,641 51 

Deduct salvage and reinsurance, 140 92 

Net cash paid for marine and inland losses, 

Cash paid for commissions and brokerage, 
for salaries of officers and employ 
for State and local taxes, 
for incidentals, 

Gross cash expenditures 

Risks and Premiums 
Fire risks outstanding Dec. 31, 1881. |54£2 ,883 00 



Fire risks written during 1882, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 

Marine risks outstanding Dec. 81, 1881, 
Marine risks written during 18 v - 

Total, .... 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured. 

Net amount in force. 



'5,346 00 



1105,421,229 00 

. 58,166,555 00 

$47,254,674 00 
. 1,613,670 00 



$394,549 21 



59 

1 "9,933 19 
18,060 52 
11,324 79 
56,276 10 

1599,644 40 

Premiums. 

$614,558 81 
613,065 39 

$1,227,624 20 
628,356 20 

$599,268 00 
22,864 00 



$45,641,004 00 $576,404 00 



$413,200 00 
5,886,882 00 

$6,300,08 1 
5,991,697 

$308,385 00 
2,500 00 



$11,843 61 
W»7 65 

$49,931 26 
38,836 34 

$11,094 92 
29 16 



$305,885 00 $11,065 76 



Miscellaneous. 

Fire losses incurred during the year, . 

Marine and inland losses incurred during the year, 



$343,282 84 
10,636 55 



UNITED STATES BRANCH OF THE BRITISH AND FOREIGN 
MARINE INSURANCE COMPANY (LIMITED), LIVERPOOL, 
ENGLAND. 

Endicott & Macomber, Atiorru 
Office, 56 State 3i . Boston. 

SUMMART OF ASSETS DEC. 31, 1882. 

United States bond9, $573,375 00 

Cash in the office and in bank, . . . 27,723 64 

Premiums in course of collection (gross), . 91,035 18 



346 UNITED STATES BRANCHES OF [Dec. 31, 

Notes taken for marine and inland risks, . $29,358 35 

Reinsurance due, 249 32 

Gross assets, $721,741 49 

Deduct special deposits in other States, .... 56,500 00 



Balance, . ~ . . $665,241 49 

Liabilities. 

Losses adjusted, unpaid, ^ -„. .^ „ fi 

claimed and reported, . . / 
disputed or resisted, .... 6,600 00 



Total amount of losses, .... $28,101 36 
Less reinsurance, 3,576 00 



Net amount of unpaid losses, . . . $24,525 36 

Unearned premiums on outstanding risks, . 164,174 07 

Unused balances of premium notes, . . 13,987 84 

Due and accrued for rent, salaries, etc., . 588 27 

State and local taxes, 150 00 

Commissions and brokerage, . . . 8,884 28 

Return premiums, 448 57 

Gross liabilities, $212,758 39 



Surplus, $452,483 10 

Income. 

Cash received for marine and inl'd prem's, $969,844 14 
Deduct reinsurance and return premiums, . 271,411 99 

Net cash rec 7 d for marine and inland losses, $698,432 15 

Interest and dividends received from all sources, . . 20,275 00 
Income from sale of scrip, 428 40 



Gross cash income, $719,135 55 

Expenditures. 

Cash paid for marine and inland losses, . $145,205 83 
Deduct salvage and reinsurance, . . 56,406 44 

Net cash paid for marine and inl'd losses, $88,799 39 

Cash paid for commissions and brokerage, . . . 39,742 91 

for salaries of officers and employes, . . . 8,632 29 

for State and local taxes, 13,099 22 



( h'oss cash expenditures, ,,,.., f 150,273 81 



L882.] FOREIGN FIRE INSURANCE COS. 

Risks and Premiums. 



347 



Marine risks outstanding 
Marine risks written during 

Total, 

Dednd risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

I amount in force, 



Premiums. 

$24,087,349 00 $284,282 79 

107,935,005 00 1,022,840 61 



1132,022,354 00 $1,306,623 40 
114,442,030 00 1,115,036 79 



$17,580,324 00 $191,586 61 
..'52 00 22,182 37 



72 00 $169,404 24 



UNITED STATES BRANCH OF THE CITY OF LONDON FIRE 
INSURANCE CO. (LIMITED), LIVERPOOL, ENGLAND. 

John C. Paige, Resident Manager. 

Offi' B0 Kiiby Street, Boston. 

Summabt of Assets Dec. 31, 1882. 



United States bonds, .... 

Cash in the office and in hands of trust 

(ash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 

Reinsurance due, 

Gross assets 

Deduct special deposits in other States, 

Balance, 



Liabilities. 
Losses adjusted, unpaid, 
Losses claimed and reported, 

Total amount of losses, 
Less reinsurance, ..... 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 

Gross liabilities, .... 
Deduct liabilities on special deposits, . 



$666,400 00 

12,269 55 

11,685 68 

00 

66,979 26 

5,702 38 



$12,258 32 
37,166 80 

$49,425 12 
3,104 75 

$46,320 37 

225,518 16 

5,049 39 

6,438 80 

$283,326 72 
21,631 61 



$767,836 87 
260,100 00 

$507,736 87 



261,695 11 



Surplus, , 



246,041 76 



348 [JNITED STATES BRANCHES OF [Dec. 31, 



Income. 

Cash received for fire premiums, . $569,027 10 

Deduct reinsurance and return premiums, . 189,919 60 

Net cash received for fire premiums, 

Interest and dividends received from all sources, 
Received from home office, .... $604,606 03 

Gross cash income, . 

Expenditures. 
Cash paid for fire losses, .... $205,818 87 
Deduct salvage and reinsurance, . . . 15,239 87 

Net cash paid for fire losses, . . 

( 'ash paid for commissions and brokerage, .... 

for salaries of officers and employes, . 

for State and local taxes, 

Gross cash expenditures, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



. $1,088,881 00 
. 52,667,713 00 

$53,756,594 00 
. 9,592,672 00 

$44,163,922 00 
. 11,363,382 00 



$429,107 50 
18,613 65 



$447,721 15 



$190,579 00 
99,829 95 
36,318 50 
12,610 50 



$339,337 95 



Premiums. 

$23,454 64 
628,267 50 



$651,722 14 
90,605 20 

$561,116 94 
140,918 94 



$32,800,540 00 $420,198 0<> 

Miscellaneous. 
Fire losses incurred during the year, $236,899 37 



UNITED STATES BRANCH OF THE COMMERCIAL UNION 
ASSURANCE COMPANY, LONDON, ENGLAND. 

Alfred Pell, Resident Manager. 

Office, No. 37 Wall Street, New York. 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
United States bonds, .... 
('ash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Notes taken for fire risks, 
Rents due and accrued, 



31, 1882. 

$130,736 96 

1,493,385 00 

698 76 

267,523 38 

8,183 28 

257,707 91 

28 62 

1,545 66 



1882.] FOREIGN FIRE INSURANCE COS. 349 



Reinsurance due, ..... 

( i rose assets, 

Deduct special deposits in other States, 



$448 60 

$2,160,258 17 

265,843 75 



Balance, 



$1,894,414 42 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, 

Gross liabilities, .... 
Deduct liabilities on special deposits, . 

I 

Surplus, 



} 



$163,533 75 

16,211 62 

1,061,779 13 

37,543 67 



$1,279,068 17 
87,769 01 



1,191,299 16 
$703,115 26 



$2,076,223 17 
482,279 54 



Income. 

Cash received for fire premiums, . 
Deduct reinsurance and return premiums, 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, 
Income from rents, 

Gross cash income, 

Expenditures. 
Cash paid for fire losses, . . . . $1,158,318 80 
Deduct salvage and reinsurance, . . . 147,783 48 

Net cash paid for fire losses, . . . 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, 

Risks and Premiums. 

Fire risks outstanding Dec. 31, 1881, . $201,262,080 00 
Fire risks written during 1882, . 



$1,593,943 63 

55,443 77 

6,294 24 

$1,655,681 64 



Total, .... 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



269,597,721 00 

$470,859,801 00 
233,533,811 00 

$237,325,990 00 
17,950,103 00 



$1,010,535 32 

275,012 46 

91,781 31 

31,356 55 

106,733 42 

$1,515,419 06 

Premiums. 

$1,808,553 21 

2,084,427 46 

^3,892,980 67 
1,654,430 83 

$2,238,549 84 
194,742 67 



Net amount in force, 

Miscellaneous 
Fire losses incurred during the year, . 



$219,375,887 00 $2,043,807 17 



$1,012,554 57 



350 UNITED STATES BRANCHES OF [Dec. 31 , 



UNITED STATES BRANCH OF LA CONFIANCE FIRE IN- 
SURANCE COMPANY, PARIS, FRANCE. 

Moxrose & Mulville, General Agents, 155 Broadway, New York. 
Summary of Assets Dec. 31, 1882. 



United States bonds, .... 
Cash deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (net), 
Gross assets, 



$537,750 00 

133,621 58 

13 04 

43,674 92 



$715,059 54 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, 

Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Gross liabilities, .... 

Surplus, 



$36,848 36 

50,022 16 

4,150 00 

$91,020 52 
5,553 75 

$85,466 77 
347,840 97 



433,307 74 



$281,751 80 



Income. 

Cash received for fire premiums, . . $1,001,646 91 
Deduct reinsurance and return premiums, . 315,332 83 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, 
Received from home office, .... $70,933 51 



$686,314 08 
28,220 47 



Gross cash income, 



$714,534 55 



Expenditures. 

Cash paid for fire losses, .... $608,848 42 
Deduct salvage and reinsurance, . . . 45,331 96 

Net cash paid for fire losses, . . . 

Cash paid for commissions and brokerage, .... 

for salaries of officers and employes, . 

for State and local taxes, 

Remitted to home office, .... $15,908 37 



$563,516 46 

197,682 17 

18,940 68 

7,101 75 



Gross casli expenditures, 



$787,241 06 



1882.] FOREIGN FIRE INSURANCE COS. 

Risks and Premiums. 



351 



Fire risks outstanding Dec. 31, 1881, . 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



rremiums. 

$67,722,175 00 $767,233 56 
96,926,085 00 942,388 76 



$164,648,260 00 $1,709,622 32 
. 74,638,876 00 884,442 21 



$90,009,384 00 $825,180 11 
14,878,446 00 155,672 35 



$75,130,938 00 $669,507 76 



Miscellaneous. 
Fire losses incurred during the year, . 



$556,934 14 



UNITED STATES BRANCH OF THE FIRE INSURANCE 
ASSOCIATION (LIMITED), LONDON, ENGLAND. 

Joseph H. Wellman, Attorney for the U. S. 
Office, No. 50 William Street, New York. 

Summary of Assets Dec. 31, 1882. 



United States bonds, .... 
Georgia state bonds, .... 
Cash in the office of the company, 
Cash deposited in bank, 
Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, 

Balance, 

Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, . 
Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
State and local taxes, .... 



$724,465 50 

27,795 00 

15,149 00 

115,736 49 

63,749 35 



$33,487 35 
48,299 65 
11,350 00 



,137 00 
9,244 64 



$83,892 36 

395,438 14 

3,021 40 

709 37 



$946,895 34 
206,910 50 

$739,984 84 



352 UNITED STATES BRANCHES OF [Dec. 31, 



Commissions and brokerage, 
Return premiums, 
Miseellaneous, .... 

Gross liabilities, 
Deduct liabilities on special deposits, 



Surplus, 



f 12,370 33 
1,553 10 

175 01 

$497,159 71 
25,349 63 



$471,810 08 



$268,174 76 



Income. 

Cash received for fire premiums, . . $963,317 41 

Deduct reinsurance and return premiums, 159,161 77 

Net cash received for fire premiums, . . $804,155 64 

Interest and dividends received from all sources, . . 23,796 52 



Gross cash income, 



$827,952 16 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, . 

Net cash paid for fire losses, 

Cash paid for commissions and brokerage, 



$542,169 57 
38,177 45 



for salaries of officers and employes, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, . . . . 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$34,779,757 00 
90,458,871 00 

$125,238,628 00 
64,966,220 00 

$60,272,408 00 
2,520,065 00 



$503,992 12 

106,922 65 

55,253 72 

11,227 87 

63,942 56 

$741,338 92 



rremiunu. 

$438,884 50 
949,406 08 

1,388,290 58 
603,416 29 

$784,874 29 
40,181 22 



$57,752,343 00 $744,693 07 



Miscellaneous. 
Fire losses incurred during the year, . 



$554,250 39 



1882.] FOREIGN FIRE INSURANCE COS. 353 

UNITED STATES BRANCH OF THE GUARDIAN FIRE AND 
LIFE ASSURANCE COMPANY, LONDON, ENGLAND. 

H. E. Bowers, Manager. 

Office, No. 54 William Street, New York. 

Summary of Assets Dec. 31, 1882. 



United States bonds, .... 

Cash deposited io bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, 



$938,750 00 

85,945 88 

6,833 33 

65,384 93 

$1,096,914 14 

192,656 25 



Balance, $904,257 89 

Liabilities. 

Losses claimed and reported, . . . $33,975 78 

Unearned premiums on outstanding risks, . 316,366 65 

Due and accrued for rents, salaries, etc., . 1,305 29 

State and local taxes, 501 52 

Commissions and brokerage, . . . 9,960 30 

Return premiums, 4,002 74 



Gross liabilities, $366,112 28 

Deduct liabilities on special deposits, . . 21,978 05 



344,134 23 



Surplus, $560,123 66 

Income. 

Cash received for fire premiums, . . . $560,657 89 
Deduct reinsurance and return premiums, . 55,946 67 

Net cash received for fire premiums, . . $504,711 22 

Interest and dividends received from all sources, . 34,566 82 



Gross cash income, $539,278 04 

Expenditures. 

Cash paid for fire losses, .... $297,627 90 
Deduct salvage and reinsurance, . . . 8,380 64 

Net cash paid for fire losses, . . . $289,247 26 

Cash paid for commissions and brokerage, .... 102,017 55 

for salaries of officers and employes, . . . 40,038 43 

for State and local taxes, 13,650 54 

for incidentals, 32,819 78 



Gross cash expenditures, $477,773 56 



354 UNITED STATES BRANCHES OF [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, .... 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



$52,597,343 00 
. 69,161,829 00 



Premiums. 

$501,785 50 
576,567 92 



§121,759,172 00 
61,198,690 00 



,078,353 42 
482,841 60 



$60,560,482 00 
782,483 00 



$595,511 82 
5,670 20 



Net amount in force, 

Miscellaneous. 
Fire losses incurred during the year, . 



$59,777,999 00 $589,841 62 



$272,110 91 



UNITED STATES BRANCH OF THE HAMBURG-BREMEN 
FIRE INSURANCE COMPANY, HAMBURG, GERMANY. 

Sophus V. Dorrien, Besident Manager. 

Office, 17 S Broadway, New York. 



Detailed Statement of Stocks, 

United States bonds, f 

Chicago, Milwaukee & St. Paul R R. bonds, 
Chicago and North-Western R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
N.Y., Lake Erie and Western R.R. bonds, . 
St. Paul, Minneap. & Manitoba R.R. bonds, 
Central Pacific Railroad bonds, . 
Kansas Pacific Railroad bonds, . 
Union Pacific Railroad bonds, 



Bonds, etc 

Par value. 

547,000 00 
15,000 00 
25,000 00 
20,000 00 
25,000 00 
23,000 00 
20,000 00 
20,000 00 
20,000 00 



$715,000 00 
Securities held as collateral for cash loans : — 



Market value. 

$632,667 50 
20,250 00 
33,000 00 
24,800 00 
32,500 00 
24,725 00 
22,600 00 
21,400 00 
22,600 00 

$ S3 4,542 50 



Northern Pacific Railroad bonds, . 
Chicago and North-Western R.R. bonds, 



Market value. Loaned thereon. 

$25,200 00 $20,000 00 
35,640 00 30,000 00 



$60,840 00 

Summary of Assets Dec. 31, 1882. 

Loans on mortgage of r'l estate (first liens *), $23,000 00 

Stocks, bonds, etc., as per schedule, . . 834,542 50 

Loans on collateral security as per schedule, 50,000 00 

Cash deposited in bank, .... 41,933 55 

Premiums in course of collection (net), . 27,182 77 



$50,000 00 



* Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$30,000 00 
50,000 00 
20,000 00 



1882.] FOREIGN FIRE INSUR 

Notes taken for fire risks, . 

Gross assets, 

Deduct special deposits in other States, 



Balance, 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, 

Less reinsurance, 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Gross liabilities, .... 
Deduct liabilities on special deposits, . 



Surplus, 



A.NCE COS. 

$1,940 69 



355 



$17,690 00 

2-4,502 00 

9,061 00 

$51,253 00 
1,000 00 



$50,253 00 
355,751 65 



$106,004 65 
53,461 43 



Income. 

Cash received for fire premiums, . . . $779,011 70 

Deduct reinsurance and return premiums, . 123,655 70 

Net cash received for fire premiums, . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 

Expenditures. 

Cash paid for fire losses, 

Cash paid for commissions and brokerage, . 

for salaries of officers and employes, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total, .... 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



$51,349,181 00 
. 71,260,800 00 



$978,599 51 
222,362 50 

$756,237 01 



352,543 22 
$403,693 79 



$655,356 00 

1,150 00 

35,665 75 

$692,171 75 



$453,197 04 

142,936 14 

25,530 16 

14,891 10 

32,378 70 



$668,933 14 

Premiums. 

$599,412 51 
775,968 32 



$122,609,981 00 $ 
. 64,749,577 00 

$57,860,404 00 
565,859 00 



1,375,380 83 
685,531 17 



$689,849 66 
5,543 10 



Net amount in force, 

Miscellaneous. 
Fire losses incurred during the year, . 



$57,294,545 00 $684,306 56 



$157,769 04 



356 UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE IMPERIAL FIRE 
INSURANCE COMPANY, LONDON, ENGLAND. 

Richard D. Alliger, Resident Manager. 
Office, No. 33 Pine Street, New York. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 
Virginia state bonds, . 
West Virginia state bonds, . 
Tennessee state bonds, 



Par value. 

$634,300 00 
71,600 00 
28,667 00 
20,000 00 



Market value. 

$759,851 12 

31,504 00 

3,511 68 

8,200 00 



$754,567 00 $803,066 80 



Summary of Assets Dec. 31, 1882. 

$250,000 00 

803,066 80 

183 73 

52,253 39 

120,374 89 

3,741 67 



Cash value of unencumbered real estate, 

Bonds, as per schedule, 

Cash in the office of the company, 

Cash deposited in bank, 

Premiums in course of collection (gross), 

Rents due and accrued, 



Gross assets, 

Deduct special deposits in other States, 



Balance, 



$1,229,620 48 
306,956 25 



$922,664 23 



Liabilities. 

Losses adjusted, unpaid, .... $3,540 65 

claimed and reported, . . . 32,487 18 

disputed or resisted, . . . 8,933 88 

Total amount of losses, . . . . $44,96171 

Less reinsurance, 2,600 00 

Net amount of unpaid losses, . . $42,361 71 

Unearned jiremiums on outstanding risks, . 407,966 10 

Commissions and brokerage, . . . 19,000 33 

Gross liabilities, .... $469,328 14 

Deduct liabilities on special deposits, . . 33,657 70 



435,670 44 



Surplus, $486,993 79 



1882.] FOREIGN FIRE INSURANCE COS. 357 



Income. 
Cash received for fire premiums, . . $743,591 36 

Deduct reinsurance and return premiums, . 96,313 10 

Net cash received for fire premiums, . . $647,278 26 

Interest and dividends received from all sources, . . 29,366 30 
Income from rents, 21,275 00 

Gross cash income, $697,919 56 

Expenditures. 

Cash paid for fire losses, .... $423,608 75 

Deduct salvage and reinsurance, . . . 4,970 35 

Net cash paid for fire losses, . . . 

Cash paid for commissions nnd brokerage, . 



for salaries of officers and employes, 
for State and local taxes, 
for incidentals, 

Gross cash expenditures, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$19,318,216 00 
. 75,045,430 00 

& 124,363,646 00 
. 57,064,442 00 

$67,299,204 00 
517,445 00 



$418,638 40 

113,561 92 

57,377 64 

17,842 60 

9,135 53 

$616,556 09 

Premiums. 

$557,857 32 
803,485 12 



1,361,342 44 

572,626 37 

$788,716 07 

6,776 53 



$66,781,759 00 $781,939 54 



Miscellaneous. 
Fire losses incurred during the year, . 



. $407,371 60 



UNITED STATES BRANCH OF THE LANCASHIRE INSURANCE 
COMPANY, MANCHESTER, ENGLAND. 

Henry Robertson, Resident Manager. 

Office, No. 40 Pine Street, New York. 

Summary of Assets Dec. 31, 1882. 

United States bonds, $928,685 00 

Premiums in course of collection (gross), . 52,327 48 

Gross assets,* $981,012 48 



*In addition to this amount the company reports $466,480.10 in other assets in this coun- 
try, hut not in the hands of trustees or on deposit with any state department where it is 
available for payment of losses to citizens of this State, and therefore not recognized as 
a credit under the laws of Massachusetts. 



358 UNITED STATES BRANCHES OF [Dec. 31, 

Liabilities. 

Net amount of unpaid losses, . . . $117,615 86 

Unearned premiums on outstanding risks, . 643,017 73 

State and local taxes, 8,000 00 

Commissions and brokerage, . . . 8,000 00 



Gross liabilities, $776,633 59 

Deduct liabilities on special deposits, . . 57,166 00 



$719,467 59 



Surplus, $261,544 89 

Income. 
Cash received for fire premiums, . . . $1,224,185 08 
Deduct reinsurance and return premiums, . 175,721 68 

Net cash received for fire premiums, . . $1,048,463 40 

Interest and dividends received from all sources, . . 50,819 23 



Gross cash income, $1,099,282 63 

Expenditures. 

Cash paid for fire losses, $723,450 76 

for commissions and brokerage, . . . 171,180 37 

for salaries of officers and employes, . . 140,360 57 

for State and local taxes, 27,540 09 



Gross cash expenditures, $1,062,531 79 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1881, . $99,490,833 00 $1,107,654 76 
Fire risks written during 1882, . . 121,872,382 00 1,240,385 17 



Total, $221,363,215 00 $2,348,039 93 

Deduct risks expired and terminated, 105,211,697 00 1,065,201 90 



In force at end of year, . . $116,151,518 00 $1,282,838 03 
Deduct amount reinsured, . . . 2,520,989 00 28,802 69 



Net amount in force, . . . $113,630,529 00 $1,254,035 34 

Miscellaneous. 
Fire losses incurred during the year, $759,016 87 



1882 ] FOREIGN FIRE INSURANCE COS. 



359 



UNITED STATES BRANCH OF THE LION FIRE INSURANCE 
COMPANY, LONDON, ENGLAND. 

M. Bennett, Jr., Manager. 

Office, No. 64 Pearl Street, Hartford, Conn. 

Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 



Par value. Market value. 

$400,000 00 $480,000 00 



Securities held as collateral for cash loans : — 



United States Ex. Co. stock, . 
Hannibal and St. Jo R.R. stock, . 
Conn. Fire Ins. Co. stock, 
Wabash, St. L. and Pac. R.R. stock, 
Adams Express Co. stock, 
Wells, Fargo and Co. stock, 
Ninth National Bank stock, 
Collins Co. stock, . 
Travelers 1 Ins. Co. stock, 
American Express Co. stock, 
iEtna Ins. Co. stock, 
Clev., Col. C. and I. R R. stock, . 
Beloit and Madison R.R. bond, 
Chicago and Alton R.R. stock, 
New York, N. H. and H. R.R. stock, 
Willimantic Linen Co. stock, 
Hartford Fire Ins. Co. stock, 
Willimantic Linen Co. stock, 
Adams Express Co. stock, . 
New York, N. H and H. R.R. stock, 
Chic, Burl, and Q. R.R. stock, 
Chicago City R R. Co. stock, 
Russell and Erwin Manuf. Co. stock, 
Collins Co. stock, .... 
Willimantic Linen Co. stock, 
Davis county bonds, 
Butler county bonds, 
Lyon county bonds, 



Market value. 

$7,150 00 

7,100 00 

3,400 00 

3,500 00 

10,400 00 

6,400 00 

6,250 00 

400 00 

500 00 

450 00 

1,800 00 

8,000 00 

2,200 00 

13,300 00 

2,550 00 

550 00 

24,000 00 

7,110 00 

4,290 00 

2,730 00 

2,300 00 

5,100 00 

3,600 00 

2,500 00 

6,400 00 

500 00 

1,200 00 

1,500 00 



Loaned thereon. 



} $40,000 00 



9,000 00 

800 00 

500 00 

13,000 00 

1 8,000 00 
\ 9,000 00 



J 



4,500 00 
1,600 00 



$135,180 00 $86,400 00 



Summary of Assets Dec. 31, 1882. 
Loans on mort. of real estate (first liens*), $62,100 00 
Bonds as per schedule, .... 480,000 00 



* Value of lands mortgaged, . . , 
Value of buildings thereon, 
Amount of insurance held as collateral, 



548,000 00 
74,500 00 
73,000 00 



360 UNITED STATES BRANCHES OF [Dec. 31, 

Loans on collateral security, as per schedule, $86,400 00 
( 'ash in the office of the company, . 98 76 

Cash deposited in bank, .... 58,376 48 
Premiums in course of collection (gross), . 61,785 69 

Gross assets, $748,760 93 

Deduct special deposits in other States, .... 240,000 00 



Balance, $508,760 93 

Liabilities. 

Losses adjusted, unpaid, .... $9,861 46 

claimed and reported, . . . 10,000 00 

Unearned premiums on outstanding risks, . 180,319 58 



Gross liabilities, $200,181 04 

Deduct liabilities on special deposits, . . 59,729 67 



140,451 37 



Surplus, $368,309 56 

Income. 

Cash received for fire premiums, . . $579,307 34 

Deduct reinsurance and return premiums, . 177,223 46 

Net cash received for fire premiums, . . $402,083 88 

Interest received on bonds and mortgages, . . . 710 79 

Interest and dividends received from all other sources, . 20,464 25 
Received from home office, .... $87,102 27 



Gross cash income, $423,258 92 

Expenditures. 

Cash paid for fire losses, $286,661 55 

for commissions and brokerage, . . . 58,066 79 

for salaries of officers and employes, . . 30,035 29 

for State and local taxes, 12,919 36 

for incidentals, 41,736 69 



Gross cash expenditures, $429,419 68 

Risks and Premiums. rremiums. 

Fire risks outstanding Dec. 31, 1881, . . $31,173,701 00 $325,632 36 

Fire risks written during 1882, . . . 60,946,853 00 586,172 84 



Total, $92,120,554 00 $911,805 20 

Deduct risks expired and terminated, . 47,589,680 00 468,232 63 



In force at end of year, .... $ 44,530,874 00 $443,572 57 
Deduct amount reinsured, . . . . 9,892,992 00 95,225 11 



Net amount in force, .... $34,637,882 00 $348,347 46 

Miscellaneous. 
Fire losses incurred during the year, $272,359 90 



1882.] FOREIGN FIRE INSURANCE COS. 



361 



UNITED STATES BRANCH OF THE LIVERPOOL AND LONDON 
AND GLOBE INSURANCE COMPANY, LIVERPOOL, ENG. 

James E. Pulsford, Resident Manager. 

Office, No. 45 William Street, New York. 

Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 
New York state bonds, 
New York city bonds, . 
Richmond city bonds, . 
Boston city bonds, 
Mississippi pay warrants, 



Tar value. Market value. 

11,510,000 00 $1,800,525 00 
45,000 00 52,200 00 



50,000 00 

5,000 00 

208,000 00 

20,000 00 



60,500 00 

6,500 00 

245,440 00 

20,000 00 



$1,838,000 00 $2,185,165 00 



Summary of Assets Dec. 31, 1882. 



Cash value of unencumbered real estate, 

Loans on mort. of real estate (first liens), 

Interest due or accrued thereon, 

Bonds, as per schedule, 

Cash in the office of the company 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 

Rents due and accrued, 

Reinsurance due, . 

Loans on life policies, . 

Miscellaneous, 

Premiums more than 3 mos. due, $6,349 58 

Gross assets, 

Deduct special deposits in other States, 



$1,047,741 92 

1,115,843 57 

25,809 55 

2,185,165 00 

343 38 

784,303 39 

3,873 07 

322,394 43 

11,533 96 

684 17 

13,468 20 

3,802 17 



Balance, 



$5,514,962 81 
302,025 00 

$5,212,937 81 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, 

Less reinsurance, 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Reclaimable on perpetual fire policies, 



$16,212 70 

339,414 81 

60,014 10 



$415,641 61 
58,207 58 



$357,434 03 

2,121,831 60 

311,191 24 



362 UNITED STATES BRANCHES OF [Dec. 31, 

Life and annuity reserve fund, . . . $117,730 36 
Commissions and brokerage, . . . 50,390 46 

Due for reinsurance, 10,000 00 



Gross liabilities, ...*.. $2,968,577 69 
Deduct liabilities on special deposits, . . 208,730 04 



$2,759,847 65 



Surplus, $2,453,090 16 

Income. 
("ash received for fire premiums, . . . $3,794,001 37 
Deduct reinsurance and return premiums, . 678,835 91 

Net cash received for fire premiums, . . $3,115,165 46 

Interest received on bonds and mortgages, . . . 75,684 75 
Interest and dividends received from all other sources, . 58,612 08 

Income from rents, 61,343 70 

Deposits received for perpetual fire risks, $11,116 36 
Income from life department, . . . 12,300 02 



Gross cash income, $3,310,805 99 

Expenditures. 
Cash paid for fire losses, .... $2,234,426 50 
Deduct salvage and reinsurance, . . 203,662 11 

Net cash paid for fire losses, . . . $2,030,764 39 

Cash paid for commissions and brokerage, . . . 551,487 60 

for salaries of officers and employes, . . . 155,839 01 

for State and local taxes, 58,031 02 

for incidentals, 165,665 42 

Deposits returned on perpetual fire risks, . $6,476 03 
Expended in life department, . . . 13,699 82 

Gross cash expenditures, $2,961,787 44 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1881, . $449,866,889 00 $3,930,877 23 
Fire risks written during 1882, . . 475,949,435 00 3,778,298 44 



Total, $925,816,324 00 $7,709,175 67 

Deduct risks expired and terminated, . 429,654,497 00 3,316,040 98 



In force at end of year, . . . $496,161,827 00 $4,393,134 69 
Deduct amount reinsured, . . . 24,338,775 00 209,833 93 



Net amount in force,* . . . $471,823,052 00 $4,183,300 76 

» 

Miscellaneous. 
Fire losses incurred' during the year, $1,932,851 09 

* Including $10,434,038 perpetual fire risks. 



1882.] FOREIGN FIRE INSURANCE COS. 



363 



UNITED STATES BRANCH OF THE LONDON ASSURANCE 
CORPORATION, LONDON, ENGLAND. 

B. Lockwood, Resident Manager. 

Office, No. 88 Wall Street, New York. 

Summary of Assets Dec. 31, 1882. 



United States bonds, .... 
( !ash in the office of the company, 
Cash deposited in bank, 
Premiums in course of collection (gross), 

Gross assets, . . . . 
Deduct special deposits in other States, 



Balance, 



$1,314,125 00 

183 73 

90,379 08 

37,888 06 



§1,442,575 87 
265,843 75 

§1,176,732 12 



Liabilities. 

Net amount of unpaid losses, . . . $78,000 00 

Unearned premiums on outstanding risks, . 592,425 56 

Reclaimable on perpetual fire policies, . 1,856 30 

Gross liabilities, $672,281 86 

Deduct liabilities on special deposits, . . 83,142 28 



589,139 58 



Surplus, $587,592 54 

Income. 

Cash received for fire premiums, . . . $1,063,381 55 
Deduct reinsurance and return premiums, . 180,046 03 
Net cash received for fire premiums, . . 



Interest and dividends received from all sources, 

Gross cash income, 

Expenditures. 

Cash paid for fire losses, 

for commissions and brokerage, 
for salaries of officers and employes, 
for State and local taxes, . 
for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 

Fire risks outstanding Dec. 31, 1881, . [% 100,185,154 00 
Fire risks written during 1882, . . 100,576,026 00 



$883,335 52 
33,451 48 

$916,787 00 



$560,716 00 

162,069 97 

39,233 40 

27,994 -78 

59,100 02 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$200,761,180 00 
. 87,932,044 00 



$819,114 17 

Premiums. 

$973,105 18 
884,771 50 

1,857,876 68 
713,604 98 



$112,829,136 00 $1,144,271 70 



3G4 UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE LONDON AND LANCA- 
SHIRE FIRE INSURANCE COMPANY, LIVERPOOL, ENG 

Foster & Scull, Managers of the Neiv England Branch. 

Office, No. 53 Devonshire Street, Boston. 

Summary of Assets Dec. 31, 1882. 



United States bonds, 

Cash in the office of the company 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection] (gross), 

Rents due and accrued, 

Premiums more than 3 mos. due, $2,703 67 

Gross assets, .... 
Deduct special deposit in other states, 



Balance, 



,177,787 00 

7,340 20 

15,027 97 

149 59 

84,757 77 

433 33 



$1,285,495 86 
279,184 00 

$1,006,311 86 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
State and local taxes, .... 
Commissions and brokerage, 
Return premiums, .... 
Reinsurance, 

Gross liabilities, .... 
Deduct liabilities on special deposits, . 



$6,602 15 

66,863 33 

18,250 00 

577,337 04 

6,889 28 

3,487 60 

15,156 09 

825 67 

1,250 00 

$696,661 16 
79,399 26 



617,261 90 



Surplus, $389,049 96 



Income. 

Cash received for fire premiums, . . $1,182,621 40 

Deduct reinsurance and return premiums, . 158,766 16 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, 
Income from rents, 



Gross cash income, 



$1,023,855 24 

37,299 58 

2,662 52 

$1,063,817 34 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and reinsurance, 
Net cash paid for lire losses, 
Cash paid for commissions and brokerage, . 



$685,777 83 
51,589 59 



$634,188 24 
186,351 66 



1882.] FOREIGN FIRE INSURANCE COS. 365 

(ash paid tor salaries of officers and employes, . . . $45,909 45 

for State and local taxes, 22,651 77 

for incidentals, 63,178 04 



Gross cash expenditures, $952,279 16 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31,1881, . $94,144,427 00 $904,559 92 
Fire risks written during 1882, . . 136,392,269 00 1,182,888 22 



Total $230,536,696 00 $2,087,448 14 

Deduct risks expired and terminated, . 113,349,546 00 955,795 17 

In force at end of year, . . . $117,187,150 00 $1,131,652 97 

Deduct amount reinsured, . . . 4,316,027 00 39,174 85 



Net amount in force, . . . $112,841,123 00 $1,092,478 12 

Miscellaneous. 
Fire losses incurred during the year, $626,554 14 



UNITED STATES BRANCH OF THE LONDON AND PROVIN- 
CIAL FIRE INSURANCE COMPANY, LONDON, ENG. 

John C. Mills, Resident Manager. 

Office, 33 Pine Street, New York. 

Summary of Assets Dec. 31, 1882. 

United States bonds, $338,950 00 

Loan on Union Trust Co. certificate, . . 66,567 35 

Cash in the office of the company, . . 118 05 

Cash deposited in bank, .... 2,914 24 

Premiums in course of collection (net), . 27,143 67 

Gross assets, #435,693 31 

Liabilities. 

Losses adjusted, unpaid, .... $6,368 57 

Losses claimed and reported, . . . 16,010 00 

Unearned premiums on outstanding risks, . 185,283 02 

Gross liabilities, 207,661 59 



Surplus, $228,031 72 

Income. 

Cash received for fire premiums, . . . $405,040 89 
Deduct reinsurance and return premiums, . 65,956 39 

Net cash received for fire premiums, . . $339,084 50 

Interest and dividends received from all sources, . . 6,994 98 



Gross cash income, ....... $346,079 48 



366 



UNITED STATES BRANCHES OF [Dec. 31, 



Expenditures. 
( ash paid for fire losses, .... $96,822 96 
Deduct salvage and reinsurance, . . . 1,070 42 

Net cash paid for fire losses, . . . 

Cash paid for commissions and brokerage, 

for salaries of officers and emj^loyes, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, 

Risks and Premiums. 



Fire risks written during 1882, 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$41,664,057 00 
. 10,119,263 00 

$31,544,794 00 
796,734 00 



$95,752 54 

49,879 89 

25,050 50 

6,039 16 

36,445 34 



$213,167 43 



Premiums. 

$432,184 56 
79,361 00 

$352,823 56 
7,719 96 



$30,748,060 00 $345,103 60 



Miscellaneous. 
Fire losses incurred during the year, . 



$118,131 11 



UNITED STATES BRANCH OF THE M&TROPOLE INSUR- 
ANCE COMPANY, PARIS, FRANCE. 

John C. Paige, Resident Manager. 

Office No. 20 Kilby Street Boston, Mass. 

Summary of Assets Dec. 31, 1882. 



United States bonds, .... 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued 
Premiums in course of collection (gross), 
Reinsurance due, ..... 
(iross assets, 

Liabilities. 

Losses adjusted, unpaid, 
Losses claimed and reported, 

Total amount of losses, 
- reinsurance, . 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Due and accrued for rent, salaries, etc., 



$485,750 00 

378 80 

183 45 

2,965 00 

54,112 89 

993 92 



$20,470 73 
62,498 37 

$82,969 10 
12,074 89 

$70,894 21 

220,535 79 

7,998 10 



$544,384 06 



1882.] FOREIGN FIRE INSURANCE COS. 367 

Commissions and brokerage, . . . $8,001 90 

Due for reinsurance, 8,453 39 

Gross liabilities, |315,883 89 

Surplus, $228,500 67 

Income. 

Casli received for fire premiums, . . . $687,591 07 
Deduct reinsurance and return premiums, . 206,397 41 

Net cash received for fire premiums, . . $481,193 66 

Interest and dividends received from all sources, . . 16,744 90 



Gross cash income, $497,938 56 

Expenditures. 
Casli paid for fire losses, .... $420,838 96 
Deduct salvage and reinsurance, . . . 66,454 78 

Net cash paid for fire losses, . . . $354,384 18 

Cash paid for commissions and brokerage, . . . 95,690 83 

for salaries of officers and employes, . . . 35,927 98 

for State and local taxes, 17,359 98 

Cash remitted to home office, . . . $5,856 41 



Gross cash expenditures, $503,362 97 

Risks and Premiums. Premiums. 

Fire risks outstanding Dec. 31, 1881, . $29,612,535 00 $388,929 02 

Fire risks written during 1882, . . . 53,631,337 00 676,255 57 



Total, $83,243,872 00 $1,065,184 59 

Deduct risks expired and terminated, . . 33,984,779 00 383,036 83 

In force at end of year, . . . $49,259,093 00 $682,147 76 

Deduct amount reinsured, .... 18, )01,993 00 257,278 45 



Net amount in force, . . . $31,257,100 00 $124,869 31 

Miscellaneous. 
Fire losses incurred during the year, $394,680 11 



UNITED STATES BRANCH OF THE NORTH BRITISH AND 
MERCANTILE INSURANCE COMPANY, LONDON AND EDIN- 
BURGH, G.B. 

Charles E. White and Samuel P. Blagden, Managers. 

Office, No 54 William Street, New York. 

Detailed Statement of Bonds. 

Par value. Market value. 

United States bonds, $1,793,000 00 $2,108,711 25 

N.Y. Central and H. R. R R. bonds, . . 500,000 00 650,000 00 
New York county bonds, .... 31,000 00 40,160 00 



368 



UNITED STATES BRANCHES OF [Dec. 31, 



New York city bonds, . 
South Carolina state bonds, 
Alabama state bonds, . 
Tennessee state bonds, 
Virginia state bonds, 
West Virginia state bonds, 



$18,000 00 
12,500 00 
10,000 00 
25,000 00 
46,300 00 
18,666 67 



$23,373 75 

13,250 00 

8,550 00 

10,750 00 

37,966 00 

2,800 00 



$2,454,466 67 $2,895,561 00 



Summary of Assets Dec. 31, 1882. 



Bonds, as per schedule, 

Cash in the office of the company, 

in the hands of trustees, 

deposited with Drexel, Morgan & Co. 
Interest due and accrued, 
Premiums in course of collection (net), 

Reinsurance due, 

Gross assets, 

Deduct special deposits in other States, 



52,895,561 00 

360 75 

50,000 00 

193,883 94 

14,706 10 

110,490 94 

871 94 



$3,265,874 67 
308,882 25 



Balance, 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, . 
Unearned premiums on outstanding risks, 

Gross liabilities, .... 
Deduct liabilities on special deposits . 



$62,148 59 

51,976 08 

38,182 23 

1,098,517 68 

11,250,824 58 
132,316 74 



$2,956,992 42 



1,118,507 84 



Surplus, $1,838,484 58 



Income. 

Cash received for fire premiums, . . .$2,181,682 80 
Deduct reinsurance and return premiums, . 271,199 84 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, 



Gross cash income, 



Expenditures. 

Cash paid for fire losses, 

for commissions and brokerage, 
for salaries oi officers and employes, . 
for State and local taxes, . 
for incidentals, ... 

Gross cash expenditures, .... 



$1,910,482 96 
70,983 47 

$1,981,466 43 



$1,061,761 62 

240,615 80 

109,059 83 

34,888 65 

137,693 99 

$1,584,019 89 



1882.] FOREIGN FIRE INSURANCE COS. 



369 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 



Risks and Premiums. 

Premiums. 

$197,121,790 00 $1,707,968 42 
292,412,583 00 2,108,936 26 



Total, .... 
Deduct risks expired and terminated, 

In force at end of year, 



$489,534,373 00 $3,816,904 68 
254,574,017 00 1,776,850 97 



Miscellaneous. 
Fire losses incurred during the year, . 



$234,960,356 00 $2,040,053 71 
. $1,112,593 12 



UNITED STATES BRANCH OF THE NORTHERN ASSUR- 
ANCE COMPANY, LONDON, ENGLAND. 

Henry II. Hall, Resident Manager. 

Office, 153 Broadway, New York. 



Detailed Statement of Bonds. 

Par value. 



United States bonds, . 
Massachusetts state bonds, 
Boston city bonds, 
St. Louis city bonds, 
Providence city bonds, 



$687,150 00 
85,360 00 
98,455 00 
38,800 00 
50,925 00 



Market value. 

$812,095 00 

93,896 00 

103,377 00 

42,680 00 

56,017 00 



$960,690 00 $1,108,065 00 



Summary of Assets Dec. 31, 1882. 



Bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, 

Gross assets, .... 
Deduct special deposits in other States, 



Balance, 



$1,108,065 00 

798 27 

52,910 04 

59,827 83 



1,221,601 14 
278,968 50 

$942,632 64 



Liabilities. 

Losses claimed and reported, 
Losses disputed or resisted, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 

Gross liabilities, .... 
Deduct liabilities on special deposits, . 



$28,730 51 

8,933 88 

328,556 69 

3,061 05 

11,810 88 

$381,093 01 
26,546 81 



354,546 20 



Surplus, $588,086 44 



370 



UNITED STATES BRANCHES OF [Dec. 31, 



Income. 

Cash received for fire premiums, . . $640,149 48 

Deduct reinsurance and return premiums, . 93,811 97 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, 

Gross cash income, 



Expenditures. 
Cash paid for fire losses, .... $395,676 76 
Deduct salvage and reinsurance, . . 3,342 79 

Net cash paid for fire losses, . . . 

Cash paid for commissions and brokerage, 

for salaries of officers and employ6s, 

for State and local taxes, .... 

for incidentals, 



Gross cash expenditures, . 

Risks and Premiums. 



$546,337 51 
35,229 00 

$581,566 51 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 



$49,318,217 00 
60,930,584 00 



$110,248,801 00 
53,562,712 00 



$392,333 97 

105,840 45 

39,445 27 

17,303 31 

15,756 01 

$570,679 01 



Premiums. 

$557,857 32 
639,496 18 

1,197,353 50 
558,562 50 



In force at end of year, 

Miscellaneous 
Fire losses incurred during the year, . 



$56,686,089 00 $638,791 00 



$384,372 90 



UNITED STATES BRANCH OF THE NORTH GERMAN FIRE 
INSURANCE COMPANY, HAMBURG, GERMANY. 

J. Claussen, Resident Manager. 

Office, No. 202 Broadway, New York. 

Summary of Assets Dec. 31, 1882. 



United States bonds, .... 
Cash in office and in bank, . 
Premiums in course of collection (net), 
Gross assets, 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 

Total amount of losses, 
Less reinsurance, . 

Net amount of unpaid losses, 



$392,323 75 
26,013 85 
17,772 91 



$3,683 00 
10,815 00 

$14,498 00 
260 00 

$14,238 00 



$436,110 51 



/ 



1882.] FOREIGN FIRE INSURANCE COS. 371 

Unearned premiums on outstanding risks, . $133,397 62 

Gross liabilities, $147,635 62 



Surplus, $288,474 89 

Income. 

Cash received for fire premiums, . . . $339,340 38 
Deduct reinsurance and return premiums, . 83,009 24 

Net cash received for fire premiums, . . $256,331 14 

Interest and dividends received from all sources, . . 14,402 61 



Gross cash income, $270,733 75 

Expenditures. 

Cash paid for fire losses $253,759 01 

Deduct salvage and reinsurance, . . 25,702 42 

Net cash paid for fire losses, . . . $228,056 59 

Cash paid for commissions and brokerage, . . . 50,919 58 

for salaries of officers and employes, . . . 15,402 40 

for State and local taxes, 8,583 71 

for incidentals, 23,263 09 



Gross cash expenditures, $326,225 37 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 



Risks and Premiums. 

Premiums. 

$22,778,212 00 $267,995 41 
. 27,088,640 00 331,439 60 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$49,866,852 00 $599,435 01 
. 26,079,815 00 294,450 62 



523,787,037 00 $304,984 39 
2,928,470 00 37,317 30 



$20,858,567 00 $267,667 09 



UNITED STATES BRANCH OF THE NORWICH UNION FIRE 
INSURANCE SOCIETY, NORWICH, ENGLAND. 

J. Montgomery Hare, Resident Manager. 

Office, No. 67 Wall Street, New York. 

Summary of Assets Dec. 31, 1882. 

United States bonds, $651,275 00 

New York city bonds, 200,090 00 

Cash in the office of the company, . . 536 14 

Cash deposited in bank, .... 139,468 84 



372 



UNITED STATES BRANCHES OF [Dec. 31, 



Interest due and accrued, 

Premiums in course of collection (net), 

Gross assets, 

Deduct special deposits in other States, 



Balance, 



$1,481 
17,755 



67 
95 



$1,010,607 60 
208,000 00 



$802,607 60 



Liabilities. 
Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 

Gross liabilities, .... 
Deduct liabilities on special deposits, . 



$61,666 

293,335 

1,000 



66 
80 
00 



$356,002 
55,102 



46 
00 



300,900 46 



Surplus, $501,707 14 

Income. 

Cash received for fire premiums, . . . $624,022 74 

Deduct reinsurance and return premiums, . 117,817 21 

Net cash received for fire premiums, . . $506,205 53 

Interest and dividends received from all sources, . . 22,850 00 

Received from home office, . . . $200,382 24 

Gross cash income, .... 

Expenditures. 

Cash paid for fire losses $288,062 06 

Deduct salvage and reinsurance, . . . 16,078 60 

Net cash paid for fire losses, . . . 

Cash paid for commissions and brokerage, . 



. $529,055 53 



for salaries of officers and employes, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, 



$271,983 46 

79,172 58 

45,833 19 

9,248 29 

35,542 28 

$441,779 80 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 



Risks and Premiums. 

$51,752,181 
. 79,977,543 



Total, .... 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Premiums. 

00 $421,042 81 
00 626,896 29 



$131,729,724 
. 62,755,139 



00 $1,047,938 60 
00 452,995 51 



$68,974,585 
. 6,222,844 



00 $594,943 09 
00 38,403 67 



$62,751,741 00 $556,539 42 



Miscellaneous. 
Fire losses incurred during the year, . 



$287,628 64 



_'.] FOREIGN FIRE INSURANCE COS. 373 



UNITED STATES BRANCH OF THE PHCENIX ASSURANCE 
COMPANY, LONDON, ENGLAND. 

Alexander D. Irving, Attorney. 

Office, No. 54 William Street, New York. 

Summary of Assets Dec. 31, 1882. 



United States bonds 

Cash deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (net), 
Cash in hands of trustees, . 

Gross assets, 

Deduct special deposits in other States, 



Balance, 



,167,162 50 

75,511 83 

8,280 00 

73,099 33 

28,892 39 



,352,946 05 
244,718 75 



$1,108,227 30 



Liabilities. 



Losses adjusted, unpaid, 

chiimed and reported, 
disputed or resisted, . 

Total amount of losses, 
Less reinsurance, . 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Gross liabilities, .... 
Deduct liabilities on special deposits, . 



$45,042 00 

71,280 00 

4,157 00 

$120,479 00 
8,233 00 

$112,246 00 
598,724 46 

$710,970 46 
61,317 54 



Surplus, 



Income. 

Cash received for fire premiums, . . . $1,139,570 06 
Deduct reinsurance and return premiums, . 223,969 04 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, 

Gross cash income, 



Expenditures 

Cash paid for fire losses, 

Deduct salvage and reinsurance, . 

Net cash paid for fire losses, 

Cash paid for commissions and brokerage, 
for salaries of officers and empl 
for State and local taxes, . 
for incidentals, 



Gross cash expenditures, 



$663,928 57 
60,262 26 




649,652 92 
$458,574 38 



5,601 02 
29,109 71 

$944,710 73 



$603,666 31 

127,568 24 

45,463 36 

26,012 95 

79,675 75 

2,386 61 



374 



UNITED STATES BRANCHES OF [Dec. 31, 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 

Total, .... 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



Premiums. 

$83,244,478 00 $753,248 67 
138,715,018 00 1,172,650 98 



$221,959,496 00 $1,925,899 65 
. 89,969,572 00 721,220 69 



$131,989,924 00 $1,204,678 9 6 
. 12,990,939 00 88,634 31 



$118,998,985 00 $1,116,044 65 



Miscellaneous. 
Fire losses incurred during the year, . 



$603,003 22 



UNITED STATES BRANCH OF THE QUEEN INSURANCE 
COMPANY, LIVERPOOL, ENGLAND. 

James A. Macdonald, Manager. 

Office, No. 37 Wall Street, New York. 

Detailed Statement of Stocks and Bonds. 



United States bonds, .... 
Mississippi state bonds, 
N. Y., Lacka. and Western R.R. bonds, 
Farmers 1 Loan and Trust Co., New York, 



Par value. Market value. 

$856,300 00 $1,016,853 11 

20,000 00 20,000 00 

100,000 00 109,139 39 

10,000 00 40,000 00 



$986,300 00 $1,185,992 50 



Summary of Assets Dec. 31, 1882. 



Cash value of unencumbered real estate, 

Stocks and bonds as per schedule, 

Cash in the office of the company, 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 

Rents due and accrued, 

Reinsurance due, 

(Jross assets, 

Deduct special deposits in other States, 

Balance, ..... 



$352,590 18 

1,185,992 50 

12,644 45 

100,492 23 

733 33 

93,392 52 

5,415 00 

947 68 



$1,752,207 89 
806,500 00 

$1,445,707 89 



1882.] FOREIGN FIRE INSURANCE COS. 375 

Liabilities. 



Losses claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, . . 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, 

Gross liabilities, .... 
Deduct liabilities on special deposits, . 



$130,436 57 
16,232 06 



$146,668 63 
7,734 43 



$138,934 20 

776,072 42 

4,076 75 



1919,083 37 
112,073 79 



$807,009 58 



Surplus, $638,698 31 

Income. 

Cash received for fire premiums, . . $1,495,891 70 

Deduct reinsurance and return premiums, . 305,800 12 

Net cash received for fire premiums, . \ $1,190,091 58 

Interest and dividends received from all sources, . . 33,193 97 
Income from rents, 31,500 89 



Gross cash income, $1,254,786 44 

Expenditures. 

Cash paid for fire losses, .... $957,304 10 
Deduct salvage and reinsurance, . . 25,556 89 

Net cash paid for fire losses, . . . $931,747 21 

Cash paid for commissions and brokerage, . . . 199,008 35 

for salaries of officers and employes, . . 95,950 35 

for State and local taxes, 34,810 61 

for incidentals, 91,748 39 



Gross cash expenditures, $1,353,264 91 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1881, . $137,805,786 00 $1,422,932 93 
Fire risks written during 1882, . . 149,851,007 00 1,493,724 73 



Total, $287,656,793 00 $2,916,657 66 

Deduct risks expired and terminated, . 142,611,499 00 1,343,928 83 



In force at end of year, . . . $145,045,294 00 $1,572,728 83 
Deduct amount reinsured, . . . 9,534,169 00 98,780 93 



Net amount in force, .... $135,511,125 00 $1,473,947 90 

Miscellaneous. 
Fire losses incurred during the vear, $900,436 74 



376 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE COMPAGNIE DE 
REASSURANCES CENTRALES, PARIS, FRANCE. 

John C. Paige, Manager. 

Office, No. 20 Kilby Street, Boston, Mass. 



Summary of Assets Dec. 31, 1882. 



United States bonds, . . ' . 

Cash in the office of the company, 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (net), 

Reinsurance due, 

Gross assets, 



$390,737 50 

692 48 

163 83 

3,287 50 

49,075 05 

3,769 81 



$447,726 17 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

Total amount of losses, 

Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Due for reinsurance, .... 
Gross liabilities, .... 



$5,418 87 
45,748 85 



$51,167 72 
4,712 65 

$46,455 07 

192,009 31 

6,307 52 



244,771 90 



Surplus, $202,954 27 



Income. 

Cash received for fire premiums, . . . $688,775 21 
Deduct reinsurance and return premiums, . 199,484 71 

Net cash received for fire premiums, . . $489,290 50 

Interest and dividends received from all sources, . . 9,813 75 



Gross cash income, $499,104 25 

Expenditures. 

Cash paid for fire losses $393,906 08 

Deduct salvage and reinsurance, . . 40,427 93 

Net cash paid for fire losses, . . . 

Cash paid for commissions and brokerage, 



for salaries of officers and employes, 
for State and local taxes, 



§353,478 15 
112,930 70 
42,400 82 
14,311 21 



Gross cash expenditures, 



1523,120 88 



1882.] FOREIGN FIRE INSURANCE COS. 

Risks and Premiums. 



377 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



Fremiti ms. 

$28,967,942 00 $339,394 88 
60,208,825 00 701,953 30 



$89,176,767 00 $1,041,348 18 
50,801,979 00 579,985 82 



$38,374,788 00 $461,362 36 
8,332,265 00 87,527 61 



Miscellaneous. 
Fire losses incurred during the year, . 



30,042,523 00 $ 373,834 75 
. $360,010 95 



UNITED STATES BRANCH OF THE ROYAL INSURANCE 
COMPANY, LIVERPOOL, ENGLAND. 

Scull and Bradley, Managers of New England Branch. 
Office No. 53 Devonshire Street Boston. 

Summary of Assets Dec. 31, 1882. 
Cash value of unencumbered real estate, . $127,603 05 

United States bonds, 2,298,926 25 

Loans on collateral security, . . . 560,000 00 
Cash in the office of the company, . . 2,947 13 

Cash deposited in bank, .... 267,082 54 
Interest due and accrued, .... 54,413 03 
Premiums in course of collection (gross), . 227,945 48 

Reinsurance, etc., 2,729 48 

Premiums more than 3 mos. due, $5,166 48 

Gross assets, $3,541,646 96 

Deduct special deposits in other States, .... 298,900 00 

Balance, $3,242,746 96 



Liabilities. 
Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, 
Less reinsurance, . 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Reclaimable on perpetual fire policies, 



$8,118 70 

214,354 13 

12,800 00 

$235,272 83 
27 27 

$235,245 56 

1,583,325 46 

53,798 69 



378 



UNITED STATES BRANCHES OF [Dec. 31, 



Life and annuity reserve fund, 
State and local taxes, . 
Commissions and brokerage, 
Return premiums, 
Due for reinsurance, 
Miscellaneous, 

Gross liabilities, 
Deduct liabilities on special deposits, 



$135,600 00 

9,852 34 

41,596 03 

1,226 95 

33,184 16 

4,199 59 

52,098,028 78 
207,678 04 



$1,890,350 74 



Surplus, $1,352,396 22 



Income. 

Cash received for fire premiums, . . . $2,635,325 02 
Deduct reinsurance and return premiums, . 453,720 19 

Net cash received for fire premiums, . . 

Interest and dividends from all sources, •. . . 

Income from rents, 

Deposits received for perpetual fire risks, . $20,054 98 

Gross cash income, 



$2,181,604 83 

104,221 39 

1,114 53 



. $2,286,940 75 



Expenditures. 

Cash paid for fire losses, .... $1,377,188 50 
Deduct salvage and reinsurance, . . . 148,785 74 

Net cash paid for fire losses, . . . $1,228,402 76 

Cash paid for commissions and brokerage, . . . . 417,738 11 
for salaries of officers and employes, . . . 123,734 44 

for State and local taxes, 43,704 91 

for incidentals, 102,814 12 

Deposits returned on perpetual fire risks, . $1,602 24 



Gross cash expenditures, 



. $1,916,394 34 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, 



Risks and Premiums. 

Premiums. 

$279,071,694 00 $2,687,163 85 
325,653,660 00 2,674,931 40 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$604,725,354 00 $5,362,095 25 
263,439,210 00 2,149,105 54 



$341,286,144 00 $3,212,989 71 
22,108,956 00 175,809 65 



Miscellaneous. 
Fire losses incurred during the year, . 



19,177,188 00 $3,037,180 06 
. $1,295,626 80 



1882.] FOREIGN FIRE INSURANCE COS. 



379 



UNITED STATES BRANCH OF THE SCOTTISH UNION AND 

NATIONAL INSURANCE COMPANY, EDINBURGH, GREAT 

BRITAIN. 

M. Bennett, Jr., Manager. 

Office, No. 64 Pearl Street, Ear/ford, Conn. 



Summary of Assets Dec 
Loans on mortgage of real est. (first liens*), 
United States bonds, .... 
Middlesex county debentures, 
Toronto city bonds, .... 
Cash in the office of the company, 
Casli deposited in bank, 
Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, 



Balance, 



31, 1882. 

$286,500 00 

474,000 00 

57,875 00 

64,798 00 

75 00 

102,576 06 

45,3*6 40 



1,031,210 46 
356,673 00 

$674,537 46 



Liabilities. 

Losses adjusted, unpaid, .... $7,820 43 

Losses claimed and reported, . . . 28,000 00 

Unearned premiums on outstanding risks, . 186,937 80 

Gross liabilities, . . . . . $222,758 23 
Deduct liabilities on special deposits, . . 79,666 64 

Surplus, 

Income. 

Cash received for fire premiums, . . $630,637 87 

Deduct reinsurance and return premiums, . 241,596 81 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Received from home office, .... $139,832 67 

Gross cash income, , 

Expenditures. 
Cash paid for fire losses, .... 
for commissions and brokerage, . 
for salaries of officers and employes, 
for State and local taxes, 
for incidentals, .... 



Gross cash expenditures, 



143,091 59 
$531,445 87 



$389,041 06 
14,746 55 
20,725 05 

$424,512 66 

$259,826 64 

45,930 66 

21,035 32 

9,549 34 

27,006 39 



$363,348 35 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, . 



$319,000 00 
320,000 00 
292,200 00 



380 UNITED STATES BRANCHES OF [Dec. 31, 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1881. . $26,140,481 00 $286,907 90 

Fire risks written during 1882, . . . 64,281,565 00 629,055 57 



Total, §90,422,046 00 $915,963 47 

Deduct risks expired and terminated, . . 42,975,308 00 434,163 13 



In force at end of year, . . . $47,446,738 00 $481,800 34 
Deduct amount reinsured, .... 12,656,482 00 128,912 43 



Net amount in force, . . . $34,790,256 00 $352,887 91 

Miscellaneous. 
Fire losses incurred during the year, .... $258,621 32 



UNITED STATES BRANCH OF THE STANDARD FIRE 
OFFICE (LIMITED), LONDON, ENGLAND. 

Timothy Y. Brown, Resident Manager. 

Office, No. 151 Broadway, New York. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $440,000 00 $466,106 25 

700 shares N. Y. C. and H. R. R.R., . . 70,000 00 88,637 50 
St. Louis, Alton and T. Haute R R. bonds, . 10,000 00 10,300 00 



$520,000 00 $565,043 75 



Summary of Assets Dec. 31, 1882. 

Stocks, bonds, etc., as per schedule, . . $565,043 75 

Cash in the office of the company, . . 2,447 09 

Cash deposited in bank, . . . . 47,818 20 

Premiums in course of collection (gross), . 65,056 91 

Gross assets, 

Deduct special deposits in other States, 



$680,365 95 
129,531 25 



Balance, $550,834 70 

Liabilities. 

Losses adjusted, unpaid, .... $10,418 69 

claimed and reported, . . . 39,401 57 

disputed or resisted, .... 6,500 00 



Total amount of losses, .... $56,320 26 



1882.] FOREIGN FIRE INSURANCE COS. 381 

Less reinsurance, St, 500 00 



Net amount of unpaid losses, . . . $54,820 26 

Unearned premiums on outstanding risks, . 347,412 91 

Due and accrued for rent, salaries, etc., . 3,108 25 

Commissions and brokerage, . . . 13,011 38 



Gross liabilities $418,352 80 

Deduct liabilities on special deposits, . . 30,805 87 



$387,486 93 



Surplus $163,347 77 

Income. 

Cash received for fire premiums, . . $754,740 28 

Deduct reinsurance and premiums, . . 130,147 64 

Net cash rec'd for fire premiums, . . $624,592 64 

Interest and dividends received from all sources, . . 12,536 85 
Received from home office, . . . $209,556 75 



Gross cash income, $637,129 49 

Expenditures. 

Cash paid for fire losses, .... $310,479 42 
Deduct salvage and reinsurance, . . . 8,516 94 

Net cash paid for fire losses, . . $301,962 48 

Cash paid for commission and brokerage, .... 128,333 51 

salaries of officers and employes, . . . 21,775 42 

State and local taxes, 15,866 81 

incidentals, 46,550 62 



Gross cash expenditures, $514,488 84 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1881, . $28,771,387 00 $206,85145 
Fire risks written during 1882, . . . 84,971,660 00 742,015 82 



Total, $113,743,047 00 $948,867 27 

Deduct risks expired and terminated, . . 41,296,306 00 229,561 57 



In force at end of year, .... $72,446,741 00 $719,305 70 
Deduct amount reinsured, .... 2,244,960 00 29,149 93 



Net amount in force, . . . $70,201,78100 $690,155 77 

Miscellaneous. 
Fire losses incurred during the year, $319,913 82 



382 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE SUN FIRE OFFICE 
COMPANY, LONDON, ENGLAND. 

Uri S. Gilbert, Resident Manager. 

Office, Watertown, New Fork. 

Summary of Assets Dec. 31, 1882. 



United States bonds, .... 
Cash in the office of the company, 
Cash deposited in bank, 
Premiums in course of collection (gross), 
Notes taken for fire risks, 

Gross assets, 

Deduct special deposits in other States, 



Balance, 



Liabilities. 
Losses adjusted, unpaid, 

claimed and reported, 
Unearned premiums on outstanding risks, 

Gross liabilities .... 
Deduct liabilities on special deposits, . 

Surplus, 

Income. 
Cash received for fire premiums, . 
Deduct reinsurance and return premiums, 
Net cash received for fire premiums, . 



Gross cash income, 



Expenditures 
Cash paid for fire losses, 

for commissions and brokerage, 
for salaries of officers and emplo 
for State and local taxes, 
for incidentals, 



$882,025 00 

4,064 13 

287,489 57 

71,242 93 

7,932 63 



$1,252,754 26 
157,525 00 

$1,095,229 26 



127,941 24 

37,267 98 

755,386 71 



20,595 93 
94,401 54 



$439,837 09 
48,863 70 



y^s, 



Gross cash expenditures, 

Risks and Premiums. 



726,194 39 
$369,034 87 



390,973 39 
$390,973 39 

$164,153 70 

98,869 34 

19,755 24 

4,494 62 

25,193 67 

$312,466 57 

Fremiums. 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$132,238,054 00 $1,355,567 65 
115,810,947 00 1,153,950 38 



$248,049,001 00 $2,509,518 03 
108,772,873 00 1,153,660 20 



$139,276,128 00 $1,355,857 83 

Miscellaneous. 

Fire losses incurred during the year, ..... 229,362 92 



1882.] FOREIGN FIRE INSURANCE COS. 383 



UNITED STATES BRANCH OF THE TRANSATLANTIC FIRE 
INSURANCE COMPANY, HAMBURG, GERMANY. 

E. Harbers, Resident Manager. 
Office, New York. 

Summary of Assets Dec. 31, 1882. 

United States bonds $462,218 75 

Cash deposited in bank, .... 9,543 74 

Premiums in course of collection (net), . 18,239 34 

Gross assets, $490,001 83 

Deduct special deposits in other States, .... 120,250 00 

Balance, $369,751 83 

Liabilities. 

Losses adjusted, unpaid, .... f 6,755 68 
Losses claimed and reported, . . . 20,300 00 
Unearned premiums on outstanding risks, . 125,823 96 

Gross liabilities $152,879 64 

Deduct liabilities on special deposits, . . 12,186 20 

140,693 44 

Surplus, . . . $229,058 39 

Income. 

Cash received for fire premiums, . . . $272,054 05 

Deduct reinsurance and return premiums, . 32,484 20 

Net cash received for fire premiums, . . $239,569 85 

Interest and dividends rec'd from all sources, . . . 15,000 87 

Gross cash income, $254,570 72 

Expenditures. 

Cash paid for fire losses, $165,996 90 

for commissions and brokerage, . . . 49,829 32 

for salaries of officers and employes, . . . 13,128 29 

for State and local taxes, 6,527 72 

for incidentals, 14,323 83 

Gross cash expenditures, $249,806 06 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec, 31, 1881, . $21,318,880 00 $249,012 74 



384 UNITED STATES BRANCHES OF [Dec. 31, 

Fire risks written during 1882, . . $23,788,023 00 $272,471 41 



Total $45,106,903 00 $521,484 15 

Deduct risks expired and terminated, . . 23,427,373 00 272,404 04 



In force at end of year, 



Miscellaneous. 
Fire losses incurred during the year, . 



$21,679,530 00 $249,080 11 
. $161,455 39 



UNITED STATES BRANCH OF THE UNION MARINE INSUR- 
ANCE COMPANY (LIMITED), LIVERPOOL, ENG. 

Endicott and Macomber, > Attornevs Bos(on 
G. Winthkop Coffin, J attorneys, vosion. 

Summary of Assets Dec. 31, 1882. 



United States bonds, .... 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (net), 

Notes taken for marine and inland risks, 

Reinsurance due, 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, 
Losses claimed and reported, 

Total amount of losses, 

I^ess reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Unused balances of premium notes, . 
Due and accrued for rent, salaries, etc., 
Gross liabilities, .... 



$358,125 00 

4,583 95 

3,000 00 

34,726 58 

345 00 

4,164 53 



$3,018 10 
17,371 94 

$20,390 04 
392 85 

$19,997 19 

28,684 10 

84 74 

6,497 03 



$104,945 06 



55,263 06 



Surplus, $349,682 00 

Income. 

Cash received for marine and inl'd prem's, $288,323 19 
Deduct reinsurance and return premiums, . 42,366 25 

Net cash rec'd for marine and inl'd prcm's, $245,956 94 

Interest and dividends received from all sources, . . 12,000 00 



Gross cash income, 



$257,956 94 



1882.] FOREIGN FIRE INSURANCE COS. 



385 



Expenditures. 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, . 

Net casli paid for marine and inland losses, 

Cash paid tor commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, 



$86,839 21 
14,248 03 



$72,591 18 

20,384 73 

2,500 00 

6,260 76 

2,396 74 

$104,133 41 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1881, 
Marine risks written during 1882, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, 



. $1,499,842 00 
. 32,536,789 00 



$34,036,631 00 
. 30,632,694 00 

$3,403,937 00 
272,239 00 



Net amount in force, 

Miscellaneous. 
Marine and inland losses incurred during the year, . 



Premiums. 

$19,015 89 
289,297 66 

$308,313 55 
284,312 02 

$24,001 53 
3,312 21 



$3,131,698 00 $20,689 32 



$58,814 38 



UNITED STATES BRANCH OF THE WESTERN ASSURANCE 
COMPANY, TORONTO, CANADA. 

George O. Carpenter, New England Agent. 

Office, No. 13 Central Street, Boston, Mass. 



Detailed Statement of Stocks and Bonds. 

Par value. 

United States bonds $476,000 00 

New York Central & H. R. R.R. bonds, . 75,000 00 

Canadian Bank of Commerce stock, . . 50,000 00 

Dominion Sav'gs and Investment Soc. stock, 15,000 00 

Imperial Loan and Investment Co. stock, . 40,000 00 

Dominion of Canada stock, .... 5,350 00 

Mississippi state deposits, .... 15,000 00 • 

Georgia state bonds, 25,000 00 



Market value. 

$549,320 00 
100,500 00 
67,500 00 
18,000 00 
44,000 00 
5,885 00 
15,000 00 
27,000 00 



$701,350 00 $827,205 00 



Summary of Assets Dec. 31, 1882. 

Stocks and bonds, as per schedule, . . $827,205 00 

Cash deposited in bank, .... 26,566 15 

Premiums in course of collection (gross), . 61,922 25 



386 



UNITED STATES BRANCHES OF [Dec. 31, 

$3,936 93 



Notes taken for marine and inland risks, 

Gross assets, 

Deduct special deposits in other States, 



$919,630 33 
224,100 00 



Balance, $695,530 33 

Liabilities. 

Losses claimed and reported, . . . $62,989 39 

Unearned premiums on outstanding risks, . 409,200 65 

Commissions and brokerage, . . . 12,278 61 

Gross liabilities, $484,468 65 

Deduct liabilities on special deposits, . 73,029 44 

411,439 21 

Surplus; $284,091 12 



Income. 

Cash received for fire premiums, . . . $967,017 57 

Deduct reinsurance and return premiums, 185,031 89 

Net cash received for fire premiums, . . 



Cash received for marine and inland prems., $111,178 15 
Deduct reinsurance and return premiums, . 9,379 11 

Net cash received for marine and inl'd prems., 

Interest and dividends received from all sources, 

Gross cash income, 

Expenditures. 
Cash paid for fire losses, .... $671,593 72 
Deduct salvage and reinsurance, . . . 30,447 52 
Net cash paid for fire losses, 
Cash paid for marine and inland losses, 
Cash paid for commissions and brokerage, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, 

Risks and Premiums. 



$781,985 68 



101,799 04 
33,294 05 

$917,078 77 



Fire risks outstanding Dec. 31, 1881, 
Fire risks written during 1882, . 

Total, .... 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$53,186,190 00 

. 67,435,143 00 

$120,621,333 00 

. 59,370,930 00 



1,250,403 00 
2,662,762 00 



$641,146 20 

58,937 97 

159,580 60 

16,947 03 

91,129 10 

$967,740 90 



Premiums. 

$758,914 69 
937,380 89 

1,696,295 58 
847,619 80 

$848,675 78 
54,364 71 



$58,587,641 t)0 $794,311 07 



1882.] FOREIGN FIRE INSURANCE COS. 387 

Marine risks outstanding Dec. 31, 1881, . $74,8G8 00 $4,801 63 
Marine risks written during 1882, . . 20,805,677 00 110,478 85 



Total, $20,880,545 00 $115,280 48 

Deduct risks expired and terminated, . . 20,321,398 00 101,599 41 



In force at end of year, .... $559,147 00 $13,681 07 

Deduct amount reinsured, .... 17,234 00 1,432 45 



Net amount in force, .... $541,91300 $12,24862 

Miscellaneous. 
Losses incurred during the year, $682,202 35 



388 U. S. BRANCHES FOR. F. I. COS. [Dec. 31, '82. 



AGGREGATE. 



Gross present assets,* 

Gross present liabilities,! 

Income. 

Net cash received for fire premiums, .... 
Net cash received for marine premiums, 
Interest received from all sources, .... 
Income from all other sources, . 


$32,744,676 00 
$16,777,694 00 

$23,556,544 00 

1,079,992 00 

1,021,341 00 

124,191 00 


Total income, 

Expenditures. 

Net cash paid for fire losses, 

Net cash paid for marine losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for State and local taxes, .... 

for all other items, 


$25,782,068 00 

$15,114,687 00 

229,829 00 

4,299,090 00 

1,419,770 00 

554,153 00 

1,360,506 00 


Total expenditures, 

Risks and Premiums. 

Fire risks written during the year, .... 

Premiums thereon, 

Marine risks written during the year, .... 

Premiums thereon, 

Fire risks terminated, 

Marine risks terminated, 

Fire risks outstanding at end of year, 
Marine risks outstanding at end of year, . 


$22,978,035 00 

$3,257,872,352 00 

29,639,435 00 

167,164,353 00 

1,450,206 00 

2,671,389,082 00 

171,387,812 00 

2,825,844,807 00 

19,501,868 00 



* Immediately available for the payment of losses in this State. 

t Not including liabilities in States wherein special deposits have been made. 



FOREIGN FIRE AND MARINE 



INSUEANCE COMPANIES. 



390 



FOREIGN FIRE AND MARINE [Dec. 31, 



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OF 

AGENTS OF INSURANCE COMPANIES 

OF OTHER STATES AND COUNTRIES 
(EXCEPTING LIFE AND ACCIDENT COMPANIES), 

For the Year ending Oct. 31, 1882, as Returned to and Compiled 
by the Tax Commissioner. 



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AGENTS OF INSURANCE COS. [Oct. 31, 



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Hopkinton, 
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Yarmouthport, 
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Methuen, . 
Stoughton, 
Edgartown, 
Southbridge, . 
Woburn, . 
Brockton, 
Attleborough, . 
E. Weymouth, 
Lynn, 
Lynn, 
Fall River, 
Andover, . 
North Brookfield, 
Stoneham, 
Gloucester, 
Clinton, . 
Hudson, . 
Lawrence, 
Rockport, 
Amherst, . 
New Bedford, . 
North Adams, . 


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Mercer & Whittemore, 
Merrill, Charles, 
Meserve, Clement, 
Nichols, C.S. &Co., . 
Otis, George, 
Parker, George G., 
Parker, James 0., 
Paul, Abram C, . 
Pease, Joseph T , 
Phillips, Elisha M., . 
Porter, B. T. H., . 
Puffer, Loring W., 
Richardson, 0. P., Jr., 
Sherman, Joseph, 
Silsbee & Pickford,* . 
Silsbee & Stevens,f 
Slade, John P. & Son, 
Smart, Joseph A., 
Smith & Skerry, 
Smith, Henry A., 
Stacy, S. A., & Son, . 
Stevens, Charles G., & Son 
Stratton, Daniel W., . 
Swan, Albert D., 
Tarr, J. Truman, & Co., 
Thomas, E. A., . 
Tillinghast & Alden, . 
Tyler, Edward D., 



1882.] OF OTHER STATES AND COUNTRIES. 397 



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Hastings, W. B. & Co., 
Hellyar & Willis, 
Jackson, E. T. & Co.,}: 
Johnson, Waldo, 
Ladd Brothers & Co., 
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1882.] OF OTHER STATES AND COUNTRIES. 401 



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Bird, Herman, . 
Briggs, George H., . 
Brown, Benj. F., . 
Cannell, J. H., . 
Carter, B. F. & Co., . 
Chapin & Williams, . 
Chapin, Charles M., . 
Cheever & Lee, . 
Church, II. C, & Son, 
Collins, Thos. C, 
( raig & Bemis, . 
Darling, H. £., . 
Davis, James F., . 
Dudley, Charles R., . 
Dunham, Henry J , . 



&.] OF OTHER STATES AND COUNTRIES. 411 



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Fisher, Fred L., . 
Fiske, B. S., . 
Fiske, George B., 
Foster, Nathaniel, Jr., 
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Greene, William S., . 

Hall, John T 

Hamant, Charles, 
Howe, Samuel E., 

1 lowland, E. P 

Johnson, Charles B., . 
Johnson, 11. B., . 
Johnson, Waldo, 
Johnson, William F., . 
Lefavour, Issaehar, 
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Merrill, E. S 


Meserve, Clement, . , 
Nichols, Charles S., & Co., 
Parker, George G , . 
Putter, Loring W., 
Pynchon, Joseph C, . 
Sargent, Bailey, . 
Stratton, Daniel W., . 



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cr 3 c c: c o ■>! X i>i 'O oi c -m «q »o 'O — dhcoc >o so o »o o «o 

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Location and Residence. 










cT . 


Natick, 
Newburyport, 


Wcstfield, 

Lowell, 

Springfield, 

Framingham, 

Salem, 

IMiddleborough 

Great Barringti 

East Cam bridg 

Ayer, 

Gloucester, 

Westfield, 

Boston, . 

Haverhill, 


Franklin, . 
Brockton, 
New Bedford, 
New Bedford, 
Fall River, 
Plymouth, 
Palmer, . 
Newton, . 
Taunton, . 
Holyoke, . 
Melrose, . 
Randolph, 
Boston, . 


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Blaney, Alexander, 
Brock way, Charles J., 




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Bush. Andrew L., 
Church, II. C. & Son, . 
Clark, Henry, 
Clark, W. E., 
Colby, W. R. & Co., 
Collins, T. C, . 
Dewey & Wright, 
Fairbairn, John R., 
Fenner, Arthur, . 
Follansbee, H. L., 
Foote, William H., 
Foster, Nathaniel, Jr., 
Frankle, Jones, . 
Freeman, James M., . 
Fullerton. Charles D. < 
Grinnell, L. & Co., 
Grinnell, L. & Son, 
Haffards, G. M., . 
Hathaway, B. A., 
Ilellvar & Willis, 
Hyde, J. F. C, . 
Jackson, E. T. & Co , 
Johnson, R. B., . 
Leigh ton, Royal B., 
Mann, Seth, 2d, . 
Norris & Corthell, 



L882.] OF OTHER STATES AND COUNTRIES. 429 



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10,200 00 

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221,241 00 

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Brookline, 

Rockport, ..... 
Fitchburg, ..... 

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North Seituate, .... 
Taunton, ...... 

Amesbury, 

Cambridge, 


























East Bridgewa 
West Medlord, 

Maiden, . 
Lynn, 
Lynn, 
Clinton, . 
Hudson, . 
Amherst. . 
North Adams, . 
Ayer, 

Northampton, 
Worcester, 

Dedham, . 

Marlborough, 

Pittsfield, 










Hamburg-Magdeburg Fire Insurance Co., 
Darling, H. E., 


6 

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Abbott, H. Edward, . . ! 

Appleton, Z. A., . 

Baker, William, . 

Barnes, David H. 

Bates, Daniel J., . . . 

Briggs, Andrew S., 

Briggs, George H., 

Burnham, Edward, 








Natter, Fred C, . 
Ober, Joseph E., 
Parker, George G., 
Serrat, William D., 

Silsbee & l'ickford,* . 
Sil>bee & Stevens, f 
Stevens, C. G. & Son, . 
Stratton, Daniel W., 
Thomas, Edward A., 
Tyler, Edward D., 
Underwood, G. E., 
Walker, Oliver, . 
Washburn, J. D., 
White, F. W., . 
Whitney, E. C, . 


5 

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AGENTS OF INSURANCE COS. [Oct. 31, 





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Middleborough, 

Somorville, 

Worcester, 

Plymouth, 

Great Barrington, 

Sheffield, . 

Newton v Hie, . 

Boston, . 

Haverhill, 

Franklin, . 

Haverhill, 

Chelsea, . 

East Cambridge, 

Ashland, . 

Woburn, . 

Boston, . 

Abington, 

Athol, 

Newton; . 

Easthampton, . 

Holyoke, . 

Lynn, 

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Springfield, 

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Collins, Thomas C, . 
Crane, Wesley C, 
Currier, Aug. N., 
Danforth, William S., 
Dewey & Wright, 
Dutcher, H & Co., . 
Farnsworth, Ezra S., . 
Fiske, B. S., . 
Frankle, Jones,* 
Freeman, James M., . 
Goodell, W. S.,f . 
Gould, Jesse & Son, . 
Hastings, W. B. & Co., . 
Higley, George T., 
Hill, Thomas H. & Co., 
Hovey & Fenno, . 
Howland, F. P. & Sons, 
Hunt & Hamilton, 
Hyde, J. F. C , . 
Johnson, Charles B., . 
Johnson, R. B., . 
Johnson, William F., . 
Kennedy, Thomas C, 
Ladd Brothers & Co., 
Lyman, Herbert, 
Macintire, S. A., 
Merrick, Spencer R., . 



1882.] OF OTHER STATES AND COUNTRIES. 431 



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Jackson, E. T., & Co., 
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Maciotire, S. A., . 
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Munroe, A. C., . 
Pynchon, Joseph C, . 
Read, Elijah R., . 
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Alden, Jared F., . 
Ballard, E. ()., . 
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Blaney, Alexander,* . 
Brown, Clark & Co.,*f 
Chadwick, (). B., & Co., 
Church, H. C, & Son,* 
Clark, Henry,* . 
Conn, George II. ,J 



1862.] OF OTHER STATES AND COUNTRIES. 439 



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Sproat, Alfre 
Sproat, Jame 
Taft, S. S., . 
Turner, John 
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AGENTS OF INSURANCE COS. [Oct. 31, 



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Natick, 

Lowell, . 

Greenfield, 

Hyde Park, . 

Boston and Concorc 

Springfield, 

Framingham, . 

Middleborough, 

Woburn, . 

Spencer, . 

Worcester, 

Fitchburg, 

Leyden, . 

Leicester, 

Great Barrington, 

Gardner, . 

Boston, . 

Newtonville, . 

Ayer, 

Gloucester, 

Westfield, 

Salem, 

Franklin, . 

Haverhill, 

Winchendon, . 

Plymouth, 

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East Cambridge, 


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Burleigh, O. II , . 
Cardell.E. L., & Co., . 
Chapin Oc Williams, . 
Chftpin, Charles M., . 
Cheppu & Brown, 
(lark, Henry, 
Clark, W. E., 
Collins, Thomas C, . 
Conn, George II.,* 
Craig & Bemis, . 
( lamer, Aug. N., 
Currier, F. C, & Son, . 
Darling, U. T., Jr., . 
Denny, C. A., 
Dewey & Wright, 
Dunn & Dunn, . 
Ellison, Baker & Coolidge 
Farnsworth, E. S , 
Fenner, Arthur, 
Foll